If the at-fault driver is uninsured or underinsured, you may need to rely on your own Uninsured Motorist (UM) coverage. 1. We review your insurance policy to confirm UM coverage limits. 2. We file a claim with your insurance carrier to cover the remaining medical bills, lost wages, and pain and suffering. 3. If your insurer refuses to pay a fair amount, we can initiate a dispute or litigation. The Altman Law Firm has over 25 years of experience navigating complex UM claims to help clients seek the compensation they need.