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How to File an Uninsured/Underinsured Motorist Claim

Although UM/UIM coverage can be valuable, it is important to hire an experienced uninsured/underinsured motorist lawyer for a few reasons.

  1. UM/UIM coverage only kicks in after the policy limits of the at-fault driver are exhausted. You will likely need an uninsured/underinsured motorist lawyer to get the full policy amount from an insurance company.
  2. Even when your own insurance company steps into the shoes of the uninsured driver, you will still have to prove the liability of the uninsured or underinsured at-fault driver and prove your damages.
  3. If your UM/UIM insurance provider refuses to pay the full and fair amount of your damages or contests liability, a lawsuit may need to be filed against your insurance provider, and the case may even go to trial.

Because your insurance company steps into the shoes of the at-fault driver, it is important to have an uninsured/underinsured motorist lawyer who will deal with your insurance company and avoid common mistakes made during this process.

For example, most people assume that it is OK to give their insurance company recorded statements; however, when your insurance company is determining how much they will pay you under your UM/UIM insurance policy, they may use admissions made in your recorded statements against you to potentially lower the amount they would have to pay you.

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There’s No Substitute For Hard Work. We are fighters. Lawsuits are confusing, expensive, and stressful. Our job is to bear the mental and financial burden to get our clients’ case before the jury so that justice can prevail. We get up early and stay late. When the other side calls it a day, we are working, planning, and taking steps needed to win for our clients. We know that’s the best way to win. Period.
Focus on What Matters. We are problem solvers. An accident can cause many problems, especially the need for medical care. We work every day to ensure our clients get the help they need, even if they cannot afford it. We believe that no one should be denied access to high-quality medical care, especially when the cause of injury is another’s negligence.

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They definitely know what they are doing and you won't regret it!

I am very thankful that Armstrong Lee & Baker LLP handled my case. Ever since they took over I felt very at ease. They explained every step with detail and they are very professional. I would definitely recommend them to anybody! If you are needing an attorney don't go to anybody else either than Armstrong Lee & Baker LLP. They definitely know what they are doing and you won't regret it!

Xochil P.

I can't thank Scott and his team enough for what they did for me and my case!

I would like to start by saying thank you to Scott Armstrong and his team for personally taking on my case. Scott Armstrong represented me in my case and fought tooth and nail for me. This is by far the best law firm. My case was turned down by many attorneys at first as I was told my case was extremely difficult to take and was rejected by all other law firms. Scott and his team were the only firm to actually take my case and begin working on it leading to a great outcome. I highly recommend this law firm. They kept me updated at all times and, always answered any questions I had.

Bradley P.

Armstrong Lee & Baker LLP is the right firm for the job.

Josh Lee was always upfront and honest with everything about my case. He listened to me and understood all the difficulty I had went through with the pain from my fall. Every step of the way I knew I could depend on Josh Lee and his staff to go the extra step to make sure I was taken care of and I am so thankful for that. Words and surveys can't express my appreciation and respect I have for this team. If you are needing an attorney that listens to you and takes action in every way to make sure you are taken care of.

Deborah P.

Our Team

We are advocates. We believe that the relationship between our Firm and our clients represents a sacred trust. We do not see our client as a mere number or just another case. We are always mindful that we represent those who have been wronged, injured, and lost loved ones.

Scott Armstrong Partner
Joshua Lee Partner
C.J. Baker Partner
Savannah John Attorney
Aaron Bender Attorney
Kelly Viktorin Attorney
Adam Grable Attorney
Shruti Modi Attorney