Berger Law Firm, LLC
(816) 600-3220 Free Consultation

Missouri UIM Claim Lawyer

When the at-fault driver's insurance isn't enough, your own underinsured-motorist coverage can fill the gap — we make sure your insurer pays it.

If an underinsured driver hurt you, the at-fault driver’s policy may not come close to covering your medical bills and lost income. That’s exactly what your own underinsured-motorist (UIM) coverage is for — and a Missouri UIM claim is how you collect it.

You paid for the coverage — we make sure you get it

UIM claims are different from a typical injury claim: you’re now dealing with your own insurance company, and they still have an incentive to underpay. We value your claim properly, stack coverage where the policy allows, and hold your insurer to the benefits you’re owed.

Common UIM situations

  • The at-fault driver carried only minimum liability limits
  • Your damages exceed the other driver’s policy
  • A hit-and-run or uninsured driver caused the crash (UM coverage)
  • Multiple injured people are competing for one small policy

We help injured drivers and passengers across the Kansas City metro and throughout Missouri and Kansas.

The Berger Law difference

  • Lower contingency fee so more of the recovery is yours
  • Direct access to the attorney handling your claim
  • No call center between you and your lawyer

General information only, not legal advice.

Frequently asked questions

What is a UIM (underinsured motorist) claim?
When the driver who hurt you doesn’t carry enough insurance to cover your damages, underinsured-motorist (UIM) coverage on your own auto policy can pay the difference. You paid for that coverage — a UIM claim is how you use it.
Will my insurance rates go up if I file a UIM claim?
A UIM claim is made against coverage you already pay for after someone else caused the crash. Insurers are not supposed to penalize you for using benefits you’re entitled to. If your carrier treats you unfairly, that can itself be a claim.
Why do I need a lawyer for a claim against my own insurer?
Even your own insurance company has an incentive to minimize a UIM payout. We handle the valuation, the negotiation, and — if needed — the fight, so you get the full benefit of the coverage you bought.
How long do I have to bring a UIM claim in Missouri?
UIM claims often run on the contract deadline in your policy, which can differ from the injury deadline. These limits are easy to miss — talk to an attorney early so you don’t lose the claim.

Injured in Kansas City? Talk to an attorney — free.

No call center, no case manager. You speak directly with your attorney, and you pay nothing unless we recover for you.

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