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Uninsured and Underinsured Motorist Claims: Evaluating Triggers, Stacking, Subrogation, Substitution of Benefits

Recording of a 90-minute CLE video webinar with Q&A

This program is included with the Strafford CLE Pass. Click for more information.
This program is included with the Strafford All-Access Pass. Click for more information.

Conducted on Tuesday, May 24, 2022

Recorded event now available

or call 1-800-926-7926

This CLE course will review claims, defenses, and complex issues under uninsured motorist/underinsured motorist (UM/UIM) policies. The program will highlight the significant coverage and procedural differences between "regular" policies and UM/UIM policies, the latest statutory and case law on "stacking" policies, exclusions, and bad faith litigation. The panel will also address "pay to play" statutes.


UM and UIM motorist coverage involves first-party claims made by insureds against their own insurance company where the alleged tortfeasor(s) in an auto accident has no insurance or insufficient insurance to cover losses. The scope of coverage and who may seek it are often disputed. Each state may have its own statutory or regulatory requirements as well.

UM/UIM policies have defined limits of coverage, exclusions, and unique procedural requirements with which counsel must be familiar. Complex issues can arise in recovering UM or UIM benefits, subrogation, and settlement.

Policyholders have sometimes accused UM/UIM insurers of taking an overly aggressive approach against their own insureds and being faster to deny claims than they would be in an ordinary third-party claim. Whether a claim is undisputed and must be paid is not entirely settled concerning UM/UIM policies. This has led to an increase in bad faith claims and awards of other extracontractual damages.

Listen as this experienced panel discusses UM/UIM coverage's role, how to maximize benefits, and what constitutes bad faith in administering these policies.



  1. Governing law
  2. Nature and scope of coverage
  3. Prerequisites for payment
  4. Amount of coverage and stacking
  5. Bad faith issues
  6. Liens


The panel will review these and other key issues:

  • Who is covered?
  • Can policies be stacked?
  • What offsets or liens apply to the benefits?
  • What constitutes bad faith?


DeCoudres, Shaun
Shaun A. DeCoudres

Carr Allison

Mr. DeCoudres is a shareholder in the firm’s Birmingham, Alabama office. His practice concentrates on...  |  Read More

Foppe, Patrick
Patrick E. Foppe

Lashly & Baer

Mr. Foppe practices in civil litigation and represents corporate clients and insurance companies, frequently handling...  |  Read More

Hamilton, Jessica
Jessica A.R. Hamilton

Robinson & Cole

Ms. Hamilton focuses her practice on insurance coverage and extra-contractual litigation, as well as high-exposure...  |  Read More

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