What happens if the other driver is underinsured?

If the other driver is underinsured, their liability coverage won't fully compensate you for your injuries and damages. In Colorado, this is where your own underinsured motorist (UIM) coverage becomes critical. UIM coverage bridges the gap between what the at-fault driver's insurance pays and your actual losses. For example, if your damages total $100,000 but the at-fault driver only has $25,000 in coverage, your UIM policy can cover the remaining $75,000 (up to your policy limits). At Kane Trial Law, we help clients navigate UIM claims and ensure they receive full compensation—whether from the at-fault driver's insurance, their own policy, or both.