If you’ve recently been in an auto-collision, you may have been asked whether or not you have “UIM” Coverage.
UIM or “Underinsured Motorist Insurance” (also sometimes called just “UM”) covers your medical bills, pain and suffering, and lost wages if your damages exceed the amount of coverage that the at-fault driver has. For example, if you are seriously injured in an auto-collision and have $150,000 in medical bills, and the at-fault driver only had coverage for $25,000, you have $125,000 in damages that exceed the at-fault driver’s coverage. If you have your own UIM Coverage in the amount of $300,000, you can make a claim to have your UIM Coverage pay all of your damages in excess of the at-fault driver’s policy up to your own policy limits.
UIM Coverage is important because many drivers in Colorado only carry the state minimum amount of insurance coverage – $25,000. If you are seriously injured by a driver who does not have adequate insurance coverage, you need to have your own coverage to protect yourself. Don’t leave yourself and your family at risk of an underinsured, or uninsured, driver!
If you’ve been injured and are involved in a claim against an insurance company, be aware that the insurance company will be looking at everything you post online in order to deny your claim! They will use all of your posts, tweets, and pictures to claim that you aren’t injured.
Setting your Facebook page to “private” doesn’t protect you. During a lawsuit, the insurance company may try to subpoena your entire Facebook page and Twitter account, even asking for all of your passwords and usernames so they can see anything private that you may have done. And it’s legal!
If you’ve been in an accident, the safest thing for you to do is to de-activate your social media accounts during the claims process. In the very least, be mindful of what you post, watch what others are “tagging” you in, and remember, social media is public!