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

A live 90-minute CLE video webinar with interactive 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.

Tuesday, May 20, 2025

1:00pm-2:30pm EDT, 10:00am-11:30am PDT

Early Registration Discount Deadline, Friday, May 9, 2025

or call 1-800-926-7926
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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.

Description

UM and UIM 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.

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Outline

  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

Benefits

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?

Faculty

James, Thomas
Thomas W. James
Attorney
Raitt Law

Mr. James is a veteran trial attorney at Raitt Law, PLLC, with 20 years of jury trial experience in trucking, auto,...  |  Read More

Additional faculty
to be announced.
Attend on May 20

Early Discount (through 05/09/25)

Cannot Attend May 20?

Early Discount (through 05/09/25)

You may pre-order a recording to listen at your convenience. Recordings are available 48 hours after the webinar. Strafford will process CLE credit for one person on each recording. All formats include course handouts.

To find out which recorded format will provide the best CLE option, select your state:

CLE On-Demand Video