Anoka County Underinsured Motorist Lawyer 

Injured by a Driver With Too Little Insurance? We Help Minnesotans Pursue UIM Claims.

If you were seriously injured in a crash caused by a driver who didn’t have enough insurance coverage, you still have legal options. 

At Bolt Law Firm, we represent Minnesotans in complex underinsured motorist (UIM) claims. Our attorneys know how to navigate these cases, protect your rights, and hold insurers accountable when you need them most.

Whether your injuries occurred on Highway 65, Highway 10, or a local road in Anoka County, we’re here to help. Call (763) 292-2102 or contact us online for a FREE consultation.

Results That Reflect Our Commitment

Bolt Law Firm is known for securing strong outcomes in cases involving motor vehicle accidents and serious injuries. Examples of our results:

• $2.5 Million — Car/truck accident resulting in TBI, extended time off work, and ultimate loss of job, with retraining for new career
• $1.3 Million — Motorcycle vs. car accident; client sustained multiple orthopedic injuries and fractures requiring several surgeries
• $1.1 Million — Liquor liability case involving four bars, a drunk driver, and an innocent client who ultimately had her leg amputated
• $900,000 — Trucking accident in North Dakota oil fields; family man flown to Minneapolis for treatment of heart condition caused by crash
• $575,000 — Man rear-ended by semi-truck at high speed; suffered severe injuries and lost wages

Case Highlight: In a dram shop case involving underinsurance, our firm recovered $1.2 million for a client who was struck by a drunk driver at a gas station. The drunk driver had visited four bars that day, passed out after leaving the last one, and crashed into our client, pinning her leg against a gas pump. Despite the bars carrying only $1 million in combined insurance coverage, we were able to recover more than the available limits through diligent investigation and advocacy.

Why Underinsured Motorist Claims Require Experienced Legal Counsel

UIM cases are different from typical car accident claims, and they present challenges that many injury victims don’t anticipate. These claims require you to act not only against the at-fault driver, but often against your own insurance company. Even though these are your policy benefits, insurers frequently dispute, delay, or underpay legitimate UIM claims.

To recover what you’re owed, you may need to:

• Prove that the at-fault driver’s liability insurance was insufficient to cover your total damages, which often requires careful documentation and expert input.
• Comply with strict notice requirements and deadlines in your policy to avoid losing your right to benefits.
• Navigate complex policy language, including provisions about stacking coverage from multiple policies or vehicles.
• Negotiate or litigate against your own insurer, who will often treat your UIM claim as an adversarial matter rather than providing the support you expect.

These claims can be especially important in cases involving serious injuries where damages far exceed minimum insurance limits. We handle cases involving:

• Permanent disabilities or catastrophic injuries
• Complex insurance layering or stacked policies
• Disputes over damage valuation, where insurers attempt to minimize what they owe
• Crashes caused by drivers with no meaningful assets beyond inadequate insurance

Our attorneys know how to analyze policies, build strong claims, and stand up to insurance companies so our clients can focus on recovery.

Common Scenarios Where UIM Coverage Applies

Underinsured motorist coverage can apply in many situations. These scenarios often catch people off guard, leaving them with serious injuries and insufficient compensation from the at-fault driver’s insurance alone. UIM coverage helps bridge that gap and protect you. Common examples include:

• Injuries caused by a driver who carried only minimum liability coverage, leaving you unable to cover medical bills and lost wages without UIM benefits
• Crashes caused by underinsured commercial or delivery vehicles, where the business’s policy fails to cover the full extent of your damages
• Multi-vehicle collisions where liability limits are quickly exhausted because multiple injured parties make claims on the same policy
• Incidents involving drunk or reckless drivers with inadequate insurance and no assets, leaving no meaningful source of compensation beyond UIM
• Situations where you’re a passenger in a rideshare, carpool, or other vehicle and the at-fault driver is underinsured
• Crashes involving out-of-state drivers who carry lower insurance minimums that fail to cover Minnesota-level damages

Our Process: How We Build UIM Cases

We take a thorough, strategic approach to building underinsured motorist cases. Our goal is to protect your rights at every stage and position your case for success. Here’s how we do it:

• Review all available insurance policies for potential coverage
• Handle notices and filings to preserve your UIM rights
• Coordinate medical, wage loss, and life care evidence to document your losses
• Negotiate firmly with insurers; litigate if necessary
• Advise on interaction with health insurance, workers’ comp, or other benefits

What Compensation Can You Recover?

Compensation in UIM cases can include:

• Medical expenses (past and future)
• Lost income and reduced earning capacity
• Pain and suffering
• Rehabilitation costs and assistive devices
• Loss of consortium

Call For a FREE Consultation: (763) 292-2102

If you’re dealing with the fallout of a crash involving an underinsured driver, we can help. At Bolt Law Firm, we represent injured Minnesotans throughout Anoka County. 

Call (763) 292-2102 or contact us online today