Uninsured-Underinsured Motorists Coverage

“Uninsured-Underinsured Motorists Coverage” is a module designed to familiarize adjusters and litigators with important aspects of uninsured (UM) and underinsured (UIM) motorists coverages.  The module was written by and is presented by veteran liability coverage attorneys Nancy Aufrecht, Pat Biggins, Eric Friedemann, Frank Gagliardi, Mark LoGalbo and Joe Martan.

Part I of the module is an overview of UM and UIM coverages. In Part II, the focus is on UIM coverage.  Part III deals with what persons are entitled to coverage.  Which vehicles are covered and which are excluded is dealt with in Part IV.  In Part V, injuries from hit-and-run drivers, as well as intentionally-caused injuries are looked at.  Finally, in Part VI, limitations on liability and recovery are discussed. 

After completing the course, the module-taker will be able to better understand the nature and purpose of UM and UIM laws.  The module-taker should be able to explain what constitute UM and UIM coverages, differentiate between the coverages and know who is an uninsured or underinsured motorist.  Knowledge gained will also include what types of motor vehicles are uninsured or underinsured motor vehicles, and under what circumstances.  Last, but not least, the module-taker will be familiarized with losses involving unknown tortfeasors, vehicular attacks, and the scope of UM and UIM liability and UM and UIM pay-outs. 

The course is designed for attorney practitioners and insurance professionals working in the area of third-party liability insurance coverage and litigation.