Practice Area
Uninsured & Underinsured Motorist Claims
UM/UIM claims are among the most contested in Mississippi personal injury law. Your own insurer is the opposing party — and it has every incentive to minimize what it pays.
When Your Own Insurance Company Becomes the Problem
Uninsured motorist (UM) coverage protects you when the at-fault driver has no insurance. Underinsured motorist (UIM) coverage applies when the at-fault driver's liability limits are insufficient to cover your damages. In both situations, you are making a claim against your own insurance policy — and your insurer's financial interest is directly opposed to yours. Mississippi UM/UIM law is complex, and the coverage disputes that arise in these cases — over policy stacking, offset provisions, consent-to-settle requirements, and the scope of damages — require an attorney with specific experience in insurance coverage litigation. This firm has that experience.
What These Cases Involve
Coverage Disputes
We analyze your policy language, applicable Mississippi statutes, and case law to determine the full scope of coverage available and challenge improper denials or reductions.
Policy Stacking
Mississippi law permits stacking of UM/UIM coverage under certain circumstances. We evaluate whether stacking applies to your situation and pursue it when it does.
Consent-to-Settle Issues
Settling with the at-fault driver's insurer without your UM/UIM carrier's consent can jeopardize your UM/UIM claim. We navigate these requirements carefully.
UM/UIM Litigation
When your insurer refuses to pay what your policy requires, we file suit and litigate the coverage dispute — including bad faith claims where the insurer's conduct warrants it.
Do Not Settle Without Consulting an Attorney
Accepting a settlement from the at-fault driver's insurer without first consulting your UM/UIM carrier — or without understanding how it affects your UM/UIM rights — can permanently reduce or eliminate your UM/UIM recovery. Contact us before you sign anything.