What is uninsured or underinsured motorist coverage?

A: Uninsured or underinsured motorist coverage (UM coverage) pays for your injuries if you are struck by a hit-and-run driver or by someone who does not have adequate insurance—either because they have no coverage or because they do not have enough coverage—to pay for your injuries.  This is valuable coverage and can help compensate you when, as often happens, the other driver can not.  A personal injury claim under a UM policy is very similar to a personal injury claim made directly against the other driver, and both claims are often pursued simultaneously.  The personal injury lawyers at Noteboom in Fort Worth can work with you to maximize you recovery under your UM policy and avoid the many pitfalls that can allow the insurance company to pay you less than you are entitled to receive.