Uninsured and Underinsured Coverage

With uninsured (UM) and underinsured (UIM) coverage, it is absence or insufficiency of liability coverage that triggers first-party coverage under whatever policy is available to tort victim. C.R.S. §10-4-609, Since 1983, uninsured motorist (UM) coverage in Colorado has included underinsured coverage. C.R.S. §10-4-609(4). Determining fact of insurance in auto accident claims is no longer enough. […]

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