Automobile Insurance Coverage Issues (Third-Party and UM/UIM)

Summary

This practice note discusses coverage issues that may arise in the context of third-party personal automobile insurance. It will address the issues and strategies for approaching them both from the standpoints of representing an insurance company and a claimant. The fundamental nature of the coverage will be explained, including what it does, how payment is calculated, what is usually covered, and what is typically excluded. We will also discuss areas in which disagreements about coverage may arise.