How to file a UIM claim in Colorado

To file a UIM claim in Colorado, first notify your auto insurance company that you've been in an accident with an underinsured driver. Before accepting any settlement from the at-fault driver's insurer, get written permission from your own insurance company—many policies require this. Provide your insurer with documentation of your damages, including medical records, bills, and proof of lost wages. Your insurer will investigate and may make a settlement offer. If the offer is inadequate, you may need to negotiate or even pursue arbitration. An experienced personal injury attorney can handle UIM negotiations and fight for the full value of your claim.