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What does full coverage really mean

What is a UM insurance claim

One of the terms that we use a lot in personal litigation is UM claim, the letter “U” and the letter “M”.  What does that mean?  That means uninsured motorist or under insured motorist claim.  This is when you have your own insurance and you buy as part of your insurance, insurance to help you in case the other motorist does not have insurance or the other motorist is under insured.  So when you say it’s a UM claim it’s your own claim against your own insurance company, trying to collect on that policy because the other person doesn’t have enough insurance.

Jim M. Zadeh
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Attorney at Law