A motorcycle crash can change your life in an instant. In Frazee and across Becker County, injured riders face mounting medical bills, time away from work, and the stress of dealing with insurers who may minimize losses. Metro Law Offices helps riders and families understand their rights under Minnesota law and pursue fair compensation for injuries, bike damage, and lost time. We focus on clear communication from day one, so you know what to expect, how long things may take, and what steps can strengthen your claim. If you were hurt on Highway 10, Main Avenue, or a rural road around Frazee, we’re ready to listen and help you move forward.
After a motorcycle collision, quick action matters. Getting medical care, documenting the scene, and notifying insurance carriers are important early steps, but you don’t have to handle everything by yourself. Our team at Metro Law Offices works with riders in Frazee to coordinate records, investigate fault, and communicate with insurers so you can focus on recovery. We understand how a crash affects daily life and long-term plans, and we tailor a strategy to your needs. Whether your case involves a distracted driver, a left-turn collision, or an uninsured motorist, we’ll explain options in plain language and keep you updated at every stage.
Motorcycle cases present unique issues, from visibility disputes to the need for thorough medical documentation. Having a lawyer can help level the playing field when insurers question injuries or attempt to shift blame. In Frazee, we gather evidence early, identify all available insurance sources, and present your claim in a way that highlights the full impact of the crash on your life. We handle communications, deadlines, and negotiations, reducing stress and preventing costly mistakes. With a clear plan and focused advocacy, you can pursue compensation for medical care, wage loss, and pain while maintaining your recovery. It’s about protecting your rights and building a stronger claim from the start.
Metro Law Offices is a Minnesota personal injury law firm dedicated to helping injured people rebuild after serious accidents. For riders in Frazee, we bring a calm, steady approach to complex claims, focusing on thorough investigation and attentive client service. Our attorneys and staff collaborate closely with medical providers and experts as needed, ensuring records and opinions are properly documented. We understand Minnesota insurance rules, comparative fault principles, and how local factors can influence a case. Most importantly, we listen. Every rider’s story is different, and we tailor strategies to your goals—whether that means negotiating a timely settlement or preparing for litigation to protect your interests.
Motorcycle accident representation is about more than filing forms. It starts with understanding how the crash happened and how injuries affect your life now and in the future. In Minnesota, liability and available insurance coverage can vary based on the facts. Our role includes evaluating fault, documenting medical care, verifying lost income, and determining the long-term costs you may face. We also help you avoid common pitfalls, such as recorded statements that can be used against you or signing releases too early. With clear guidance and strategic planning, you can pursue fair compensation while staying focused on recovery.
For riders in Frazee, effective representation often hinges on timely evidence collection, credible medical proof, and strong communication. We coordinate with law enforcement, witnesses, and, when appropriate, accident reconstruction resources to clarify how the crash occurred. We also pay attention to policy details, including uninsured and underinsured motorist coverage that may apply. From the first call, you’ll know who is handling your file and how to reach us. We provide updates, set expectations, and make sure you understand each step. The goal is straightforward: build a persuasive claim and pursue the best possible outcome under Minnesota law.
A motorcycle accident claim is a legal process to recover compensation from the parties responsible for your injuries and losses. It usually begins with an insurance claim against the at-fault driver and may involve your own coverages, such as uninsured or underinsured motorist protection. The claim includes documenting medical treatment, wage loss, out-of-pocket expenses, and pain and suffering. Insurers evaluate liability, damages, and policy limits, and negotiations often follow. If a fair resolution cannot be reached, a lawsuit may be filed to preserve rights and seek recovery through the courts. Throughout, having organized evidence and consistent medical documentation is essential.
Most motorcycle claims share core elements: liability, damages, and coverage. Proving liability involves crash reports, photos, witness statements, and, when necessary, reconstruction analysis. Damages are shown through medical records, provider opinions, employment documentation, and day-to-day impact statements. Coverage includes the at-fault driver’s policy and potentially your own UM/UIM insurance. The process typically moves from investigation, to demand and negotiations, and, if needed, litigation to protect your rights. Timelines vary, and careful compliance with Minnesota statutes and policy deadlines is essential. Strong documentation, consistent treatment, and measured communication with insurers help position your case for a fair resolution.
Understanding common insurance and legal terms can help you make informed decisions after a crash in Frazee. Words like comparative fault, statute of limitations, and UM/UIM coverage frequently come up in motorcycle claims. Minnesota’s no-fault system is different for motorcycles, so it’s important to know what benefits are available and how coverage interacts. We’ll explain these concepts in plain language, apply them to your situation, and outline how each term affects your case. Clear definitions reduce confusion, improve communication with insurers, and help you avoid missteps that may limit recovery. If something is unclear, we’re always available to clarify and guide you.
Comparative fault is the rule Minnesota uses to allocate responsibility when multiple parties share blame for a crash. Your compensation can be reduced by your percentage of fault, and you cannot recover if your fault is greater than the other party’s combined fault. Insurers often argue riders share responsibility due to visibility or lane position. We counter this by presenting evidence like scene photos, vehicle damage, helmet-cam footage, and witness statements to show the true sequence of events. Understanding comparative fault helps you make informed decisions about settlement offers and litigation strategy in a Frazee motorcycle case.
Minnesota’s no-fault system provides certain benefits after car crashes, but motorcycles are treated differently. Standard no-fault medical benefits generally do not apply to injuries sustained while operating a motorcycle, unless optional coverage was purchased. This can leave injured riders relying on health insurance, liability claims against the at-fault driver, and their own optional coverages for support. Understanding which benefits apply after a Frazee crash helps you plan treatment, manage bills, and time your claim. We review your policies, explain options, and coordinate with providers so your care continues while we pursue available compensation from all responsible sources.
The statute of limitations sets the deadline to bring legal action. In Minnesota, time limits can vary based on the claim type, the parties involved, and the insurance contracts at issue. Missing a deadline can bar recovery, even in strong cases. There may also be earlier notice requirements for certain claims or coverages. After a motorcycle crash in Frazee, we identify all applicable timelines, preserve evidence, and file necessary documents to protect your rights. Early consultation helps ensure records are gathered, witnesses are contacted, and strategy is set well before any deadlines approach, keeping your case on solid footing.
Uninsured (UM) and underinsured (UIM) motorist coverage can be vital when the at-fault driver has no insurance or too little to cover your losses. These benefits come from your own policy and may require careful compliance with notice and cooperation provisions. In a Frazee motorcycle case, UM/UIM can help pay for medical care, wage loss, and pain and suffering when liability limits are insufficient. We review policy language, coordinate with your carrier, and structure claims to maximize available recovery. Properly handling UM/UIM claims can make a significant difference in the total compensation you ultimately receive.
After a motorcycle crash, some riders try to handle claims on their own, while others seek full representation. A limited approach may work when injuries are minor and liability is beyond dispute. Full representation can be helpful when injuries are significant, fault is contested, or multiple insurance policies are involved. In Frazee, we outline the pros and cons of each path, explain costs and timelines, and help you choose a strategy that fits your goals. Whichever route you take, documenting treatment, avoiding speculative statements, and keeping organized records will support a more effective claim outcome.
If the other driver clearly caused the crash and you sustained minor injuries that resolved quickly, a limited approach can sometimes be enough. This might involve promptly reporting the claim, providing basic medical records, and negotiating property damage and a modest bodily injury settlement. Even in simple cases, be careful with recorded statements and broad medical authorizations. Keep treatment consistent, save receipts, and photograph your injuries and motorcycle damage. If complications arise—like surprising medical bills, lingering symptoms, or low offers—you can transition to full representation. We’re available to step in at any point to protect your interests.
Sometimes the priority is repairing or replacing the motorcycle, especially if injuries are minimal. If the insurer accepts fault and promptly values the bike fairly, you may be able to resolve property damage without extensive legal involvement. Keep estimates, repair invoices, and communication records organized. Confirm whether custom parts, gear, and accessories are included in valuation. If diminished value applies, consider documentation to support it. Should disputes arise over value, total loss, or rental/ loss-of-use coverage, legal guidance can help. We can advise behind the scenes or take over negotiations if the process becomes frustrating or unfair.
When injuries are substantial or symptoms persist, full representation is often the safest path. Complex medical care requires careful documentation, coordinated provider opinions, and accurate calculation of future costs. In Frazee cases, we help schedule evaluations, obtain detailed records, and track wage loss and household impacts. We also manage liens and subrogation claims so settlement funds go where they should. With a comprehensive strategy, your claim reflects the true scope of harm, not just initial bills. This approach reduces the risk of settling too early or too low before the full picture of your recovery is clear.
If the insurer disputes liability, questions your injuries, or delays, comprehensive representation helps counter resistance. We conduct a detailed investigation, interview witnesses, secure camera footage when available, and consult with appropriate experts to clarify fault. We also prepare a persuasive demand supported by medical evidence and day-in-the-life details. In Frazee and Becker County courts, we’re prepared to file suit when negotiations stall, keeping pressure on the defense to address your losses fairly. By managing every aspect—from strategy and deadlines to negotiation and litigation—we aim to improve leverage and position your claim for a stronger result.
A thorough legal strategy means your claim is built on verified facts, clear medical support, and a full accounting of losses. For riders in Frazee, this approach can reveal additional coverage, protect against low offers, and ensure future care needs are not overlooked. It also streamlines the process: we handle communications, set timelines, and resolve documentation issues before they become roadblocks. With organized evidence and a strong demand package, insurers have fewer reasons to delay or dispute your case. The result is a more confident path toward a fair resolution that reflects what you have truly endured.
Another benefit is peace of mind. When you know your case is being actively managed, you can concentrate on healing and family. We explain each step, forecast potential outcomes, and prepare you for important decisions. If settlement is appropriate, we negotiate with a clear strategy; if litigation is needed, we’re ready to proceed. Our goal is to protect your rights from day one through resolution. Whether the crash occurred on a city street in Frazee or a Becker County highway, a comprehensive approach helps ensure no detail is missed and your voice is heard.
Strong claims start with clear, consistent medical records. We work with you and your providers to document diagnoses, treatment plans, and how injuries affect work and daily life. For riders in Frazee, we also track mileage, out-of-pocket costs, and therapy or rehabilitation details that insurers often overlook. Coordinated documentation supports both settlement negotiations and courtroom presentation. It helps ensure your story is told accurately, with the right evidence, at the right time. By anticipating insurer concerns and addressing them in your records, we improve the credibility and value of your claim from the outset.
Many motorcycle cases involve multiple insurance layers, including the at-fault driver’s liability coverage and your own UM/UIM policies. In Minnesota, coordination is key. We review policies for hidden benefits, stackable coverages, and applicable endorsements. In Frazee, we also consider claims against other responsible parties when evidence supports it, such as additional vehicles or entities that contributed to dangerous conditions. By identifying every potential source of payment and managing notice requirements, we help ensure no avenue is missed. This careful approach can significantly affect the resources available to address medical care, lost income, and long-term needs.
Seek medical attention right away, even if you feel okay. Adrenaline can mask symptoms, and delayed treatment invites insurers to argue your injuries are unrelated. In Frazee, keep all appointments, follow provider recommendations, and save discharge papers, prescriptions, and receipts. Tell your doctors about every symptom, not just the most painful ones, and avoid gaps in care. Consistent records help connect the crash to your condition and establish the extent of harm. If transportation or scheduling is a challenge, let us know; we can help coordinate resources and ensure your care stays on track while your claim progresses.
Soon after a crash, insurers may call asking for statements or medical releases. Be polite, but cautious. You can provide basic information about the collision location and vehicles involved, but avoid speculating about fault or long-term injuries. Do not sign broad authorizations that allow access to unrelated medical history. In Frazee cases, we often handle these conversations for clients to prevent misunderstandings and preserve the strength of the claim. If you already spoke with an adjuster, that’s okay—let us know what was said. We’ll take it from there, ensuring communications are accurate, timely, and properly documented.
Calling a lawyer provides clarity when the path forward feels uncertain. We explain your rights, evaluate liability, and outline potential recovery under Minnesota law. In Frazee, we know local roads, common crash patterns, and insurer tactics that often appear in motorcycle cases. Our involvement helps you avoid mistakes, such as early releases or statements that weaken your claim. We coordinate records, handle deadlines, and push for fair compensation. Even if you’re unsure about hiring a lawyer, a conversation can help you decide whether a limited approach or full representation best fits your situation.
Another reason is protection against being rushed into a low settlement. Serious injuries can take time to diagnose and treat. Settling too soon can leave you without resources for future care. We monitor your medical progress, consult with providers, and time negotiations to reflect the full impact of the crash. If the insurer disputes fault or damage, we develop evidence and escalate when necessary. Our goal is to give you confidence, structure, and advocacy as you navigate recovery. The sooner you reach out, the sooner we can safeguard your claim and support your next steps.
We routinely assist riders involved in left-turn collisions at intersections, unsafe lane changes on highways, and rear-end impacts in stop-and-go traffic. We also see cases involving distracted driving, failure to yield, and drivers misjudging a motorcycle’s speed. In and around Frazee, rural road hazards, loose gravel, and wildlife can contribute to serious crashes, sometimes alongside negligent driving. We help gather evidence, analyze liability, and pursue compensation from all responsible sources, including uninsured or underinsured motorists. Whatever the cause, we focus on thorough documentation and steady communication to move your case forward while you focus on healing.
One of the most dangerous scenarios for riders is a vehicle turning left across their path. Drivers may claim they didn’t see the motorcycle or misjudged distance and speed. In Frazee, we investigate the intersection layout, sightlines, traffic controls, and available camera footage. We analyze vehicle damage, gather witness statements, and work to establish the turning driver’s duty and breach. Medical documentation helps connect the crash to injuries, while photos and diagrams illustrate how the collision unfolded. By developing a clear narrative based on evidence, we strengthen your claim and counter visibility arguments often raised against riders.
Sudden lane changes and tailgating create high-risk situations for motorcyclists. A driver who fails to check blind spots or maintain space can cause serious harm. For Frazee riders, we examine dashcam footage, phone records where appropriate, and physical evidence like scrape marks and impact points to show how the crash occurred. We also document gear damage and rider injuries, ensuring the insurer sees the full picture. Establishing unsafe following distance, failure to yield, or inattentive driving helps support liability. With strong proof and consistent medical records, we pursue compensation that reflects both immediate and ongoing effects.
Loose gravel, potholes, and debris can cause serious motorcycle crashes. Sometimes another driver is involved; other times, an uninsured motorist leaves the scene. We explore all potential avenues in Frazee cases, including claims against negligent drivers and your own UM/UIM coverage. We document road conditions, photograph hazards, and obtain maintenance reports when available. When hit-and-run occurs, fast action can preserve video and witness information that helps identify the vehicle. Even without the other driver, we can often pursue benefits under your policy. Our goal is to identify responsible parties and secure the resources you need to recover.
We bring a focused, client-centered approach to motorcycle cases in Frazee. From the first call, you’ll know who is responsible for your file and how to reach us. We listen to your goals, outline realistic timelines, and communicate clearly. Our team coordinates with your medical providers and helps keep records organized and complete. We prepare your claim thoroughly, anticipating insurer questions and addressing weaknesses before they become obstacles. By doing the work up front, we position your case for a smoother negotiation process and a stronger outcome, whether through settlement or, if needed, litigation.
Local familiarity matters. Crashes in and around Frazee often involve rural road dynamics, seasonal conditions, and unique traffic patterns. We understand how these factors affect liability and injuries. We also know insurers’ common strategies in motorcycle claims and how to respond firmly and professionally. When we recommend next steps, we explain the reasoning and potential risks so you can make informed choices. Our goal is to protect your rights, reduce stress, and keep your case moving with purpose. You handle healing; we handle the insurance and legal details with steady, attentive advocacy.
Access and responsiveness set the tone. We return calls, answer questions, and keep you updated. If your needs change, we adjust strategy. We provide honest assessments of offers and potential outcomes, and we never pressure you into decisions. Your case is your story, and we’re committed to telling it clearly and convincingly. When you work with Metro Law Offices, you gain a dedicated team that understands Minnesota law and the challenges riders face. We are here to guide, support, and advocate from day one until resolution, always focused on your recovery and your future.
We designed our process to be straightforward and supportive. First, we listen to your story and gather essential facts. Next, we investigate liability, collect records, and identify all available coverages. We then prepare a detailed demand and negotiate with insurers, always keeping you informed. If a fair resolution isn’t reached, we are ready to file suit within applicable deadlines. Throughout, you’ll have a clear point of contact and regular updates. For riders in Frazee, our process balances thorough preparation with practical efficiency, so your case moves forward while you concentrate on healing and daily life.
Your first conversation with us is free and informative. We review the crash details, injuries, medical care, and insurance policies. We explain Minnesota laws that affect your claim and outline potential next steps. You’ll learn what documents are helpful and how to avoid common pitfalls with insurers. If we move forward together, you’ll know what to expect, who to contact, and how we plan to approach your case. For Frazee riders, this initial step sets the foundation for a strong claim and helps you feel confident about the path ahead.
We start by understanding how the crash happened and what recovery looks like for you. We ask about your work, family responsibilities, and the day-to-day challenges you’re facing. This helps us tailor our approach and prioritize what matters most. We also identify immediate needs, like medical scheduling help or guidance on property damage. By listening closely, we ensure our strategy reflects your goals—whether that’s a timely resolution or a measured approach that accounts for long-term care. Your voice drives the plan from the very beginning.
Early strategy can shape the entire claim. We outline evidence to gather, providers to consult, and coverages to review. We also discuss communication boundaries with insurers and set a schedule for updates. In Frazee cases, we consider local conditions, traffic patterns, and potential witnesses. We prioritize tasks that add immediate value, such as preserving footage, obtaining the police report, and documenting injuries and gear. Clear next steps reduce uncertainty and help you avoid missteps. With a roadmap in place, we move your case forward efficiently and purposefully.
Next, we build the factual and medical foundation of your claim. We collect photos, witness statements, crash reports, and, when needed, consult reconstruction resources. We also gather complete medical records and bills, clarify diagnoses, and document how injuries affect work and daily life. For Frazee riders, we move quickly to preserve evidence that might otherwise disappear. As the file develops, we flag issues early and address them before negotiations begin. Thorough documentation supports liability and damages, increasing leverage for settlement or preparing your case for litigation if negotiations stall.
We evaluate every available source of proof, including scene photos, damage patterns, and road conditions. We interview witnesses, check for surveillance or dashcam footage, and analyze whether traffic laws were violated. If the insurer disputes fault, we dig deeper to clarify the sequence of events and driver behavior. In Frazee, we also consider seasonal factors like visibility and surface conditions. Our goal is to present a clear, persuasive narrative supported by reliable evidence. Solid liability analysis not only strengthens negotiations but also positions your case well for court if necessary.
Your medical records tell the story of injury and recovery. We ensure they are complete, consistent, and connect the crash to your symptoms. We document treatments, medications, therapy progress, and any lasting limitations. We also calculate wage loss and out-of-pocket expenses, and consider future care needs when appropriate. For riders in Frazee, we coordinate with providers to obtain timely, accurate reports and opinions. A well-documented damages profile supports fair negotiation and prepares your claim for litigation if needed, making it harder for insurers to discount the full impact of the crash.
With evidence and records in place, we craft a demand that clearly explains liability, damages, and the value of your claim. We negotiate firmly and professionally, backed by documentation. If negotiations don’t produce a fair resolution, we are prepared to file suit and pursue your case in court within applicable deadlines. For Frazee riders, we keep you informed during each phase, outline options and risks, and help you make confident decisions. Whether your case resolves at the negotiating table or proceeds toward trial, our focus stays on achieving a fair outcome.
Our demand packages are organized and evidence-driven. We include key photos, witness summaries, medical records, billing, and a clear explanation of pain, limitations, and future needs. We present liability analysis alongside damages so the insurer sees the full picture. During negotiations, we respond promptly, address objections with facts, and keep pressure aligned with your goals. In Frazee cases, we adapt to local court timelines and insurer tendencies, seeking resolution when appropriate and preparing to escalate if needed. Every step is designed to maintain momentum and protect the value of your claim.
If litigation becomes necessary, we file within the statute of limitations and manage all phases of the lawsuit. We handle discovery, depositions, and motions, keeping you updated and prepared for each milestone. We collaborate with medical providers and, when useful, consult with experts to explain complex issues. For Frazee riders, we tailor presentation to Minnesota juries and local practices. While many cases still settle before trial, being ready to proceed can improve leverage and lead to more reasonable offers. Our priority remains your recovery and a fair resolution that reflects your losses.
Minnesota’s no-fault system provides benefits after many car crashes, but motorcycles are treated differently. Standard no-fault medical benefits typically do not apply when you are operating a motorcycle, unless you purchased optional medical coverage for your bike. That means injured riders often rely on health insurance, liability claims against the at-fault driver, and their own uninsured/underinsured motorist coverage. If you were hurt in Frazee, we review your policies to identify available benefits, explain how bills are coordinated, and ensure proper notice is given. We also help manage medical records and provider billing so your care continues without unnecessary disruption. Understanding your coverage early helps you avoid gaps in treatment and supports a stronger injury claim.
Deadlines depend on the type of claim and policies involved. Minnesota personal injury claims from negligence generally have multi-year statutes, but some claims and insurance contracts impose earlier notice requirements. Wrongful death and certain uninsured/underinsured motorist claims may follow different timelines. Missing a deadline can bar recovery even in strong cases. If your crash occurred in Frazee, contact us as soon as possible so we can identify all applicable timelines and preserve your rights. Early action lets us gather evidence while it’s fresh, secure witness statements, and obtain records. We can also advise you on communications with insurers and steps to protect your claim as treatment progresses.
Minnesota follows a comparative fault system. If you share some responsibility for the crash, your compensation may be reduced by your percentage of fault. You cannot recover if your fault exceeds the fault of the parties you are claiming against. Insurers sometimes overstate a rider’s share of blame based on visibility or lane position. We push back with evidence: scene photos, vehicle damage, helmet-cam footage, and witness accounts. In Frazee, we also consider roadway configuration and seasonal conditions that affect perception and stopping distance. A careful liability analysis can improve your negotiating position and help ensure any fault allocation reflects the true facts.
You can provide basic details like location, date, and vehicles involved, but be cautious with recorded statements and broad medical authorizations. Adjusters may ask questions that invite speculation about speed, visibility, or injuries, which can later be used to limit your claim. We often handle insurer communications for Frazee riders, ensuring accuracy and preventing misinterpretation. If you’ve already spoken to an adjuster, let us know what was discussed. We will step in, provide necessary documentation, and keep the process on track. Clear, measured communication helps protect your rights while your medical picture develops.
Recoverable damages can include medical bills, rehabilitation, lost wages, diminished earning capacity, property damage, and pain and suffering. In more serious cases, future care and long-term impacts are evaluated using provider opinions and documented limitations. The exact categories and amounts depend on your evidence and the applicable insurance coverages. For Frazee claims, we build a detailed damages profile supported by records, receipts, employer statements, and day-in-the-life descriptions. We time negotiations to reflect your recovery status, avoiding premature settlements that overlook future needs. Presenting a full picture of your losses gives insurers fewer reasons to discount your case.
Most motorcycle injury cases are handled on a contingency fee, meaning you pay no attorney’s fees unless we recover compensation for you. We explain fee terms clearly during your free consultation, including case costs and how they are handled. There are no upfront attorney’s fees to get started. For riders in Frazee, we tailor our approach to the needs of your case and keep you informed about costs as we proceed. Our goal is to provide access to representation without adding financial strain while you focus on healing and returning to everyday life.
Bring any crash-related materials you have: police report or case number, photos or videos, insurance cards and policy declarations, medical records and bills, and repair estimates. A timeline of treatment and a list of providers are also helpful. If you have witness contact information, bring that as well. Don’t worry if you don’t have everything. We can help obtain reports, records, and statements as needed for your Frazee case. The consultation is a chance to ask questions, understand your rights, and develop a plan. We’ll outline next steps and how to avoid pitfalls that could weaken your claim.
Many cases resolve through negotiation without a trial. Whether your case goes to court depends on liability disputes, injury severity, coverage limits, and insurer willingness to resolve fairly. We prepare every case as if it might proceed, which helps negotiations and keeps options open. If filing suit becomes the right step for your Frazee claim, we’ll explain the process, timelines, and what to expect at each stage. We manage discovery, depositions, and motion practice, and continue to evaluate settlement opportunities. Our focus is achieving a fair result, whether that occurs before or during litigation.
Property damage claims typically involve repair estimates, total-loss valuations, and compensation for gear and accessories. We help ensure custom parts and safety equipment are considered. If your bike is a total loss, we work to verify fair market value using documentation, receipts, and comparable listings. In Frazee, we also address rental or loss-of-use issues and diminished value if applicable. Keep all invoices, photos, and communications. If the insurer disputes value or delays payment, we step in to negotiate and push for a timely resolution that reflects the true condition and upgrades of your motorcycle.
Yes. If the at-fault driver is uninsured or flees the scene, your uninsured motorist (UM) coverage can provide benefits. If the driver’s insurance is insufficient, underinsured motorist (UIM) coverage may apply. These claims have specific notice and cooperation requirements, so contacting us early helps protect your rights. For Frazee riders, we review your policy declarations, confirm available limits, and structure the claim to access all potential coverage. We coordinate medical documentation and damages evidence to support recovery under UM/UIM. Even without the other driver’s insurance, you may still have a path to compensation through your own policy.
