Not everyone will have UM (uninsured motorist) and UIM (under insured motorist) insurance. People who have it may not even understand it.
Even if your client doesn’t have it, the other driver may have it or the owner/owners of the vehicles may have it.
You will have to make a determination and begin the claim process by providing proof and writing various letters.
First you and your staff will need to understand the ins and outs of UM and UIM. It’s complex for the lay person and the lawyer.
Buy the PA personal injury forms resource book for examples of letters of which you will find no fault.
