What UM Coverage Does
Uninsured motorist (UM) coverage pays for your injuries when the at-fault driver has no insurance. It acts as a substitute for the at-fault driver's liability coverage. Your UM policy limits are the maximum you can recover.
When UM Applies
- At-fault driver has no insurance at all
- Hit-and-run accidents (the at-fault driver is unidentified)
- At-fault driver's insurance company is insolvent
Filing a UM Claim
You file the UM claim with your own insurance company. The process is similar to a third-party claim, but you're dealing with your own insurer. Colorado's good faith laws (C.R.S. § 10-3-1115) protect you against unreasonable denial or delay by your own insurer.