Rochester Uninsured And Underinsured Motorist Attorneys

Last updated on April 16, 2025

Despite Minnesota’s mandatory insurance laws, many drivers in Rochester and throughout the state remain uninsured or carry only minimum coverage. When these drivers cause accidents, victims often face significant challenges in securing compensation for their injuries and losses. Understanding your uninsured/underinsured motorist (UM/UIM) coverage is essential for protecting yourself and your family.

At Restovich Braun & Associates, we help injured victims navigate the complexities of UM/UIM claims in Rochester. Our lawyers have extensive experience securing fair compensation when standard liability coverage falls short. Whether you were injured by an uninsured driver or faced damages exceeding the at-fault party’s policy limits, we provide the skilled advocacy you need during this challenging time.

What Is UM/UIM Coverage?

Minnesota law requires all auto insurance policies to include coverage for uninsured and underinsured motorists. These protections serve as crucial safety nets when:

• The at-fault driver has no insurance (approximately 1 in 10 Minnesota drivers)
• The at-fault driver’s insurance is insufficient to cover your damages
• You are victim of a hit-and-run accident
• You are injured as a pedestrian or cyclist by an uninsured driver

This coverage applies to various situations beyond traditional car accidents, including motorcycle accidents, pedestrian injuries or bicycle accidents when the responsible party lacks adequate insurance.

Common Challenges With UM/UIM Claims

Despite having appropriate coverage, securing fair compensation through UM/UIM claims often involves overcoming significant obstacles:

• Insurance companies frequently dispute coverage or claim values
• Complex legal questions arise when multiple policies might apply
• Strict notification requirements must be followed
• Policy language can be confusing and difficult to interpret

Our experienced Rochester attorneys understand these challenges and know how to effectively address them. We work diligently to make certain insurers honor their obligations and provide the full benefits you deserve under your policy.

Protect Your Rights After An Accident

If you have been injured by an uninsured or underinsured driver in Rochester or elsewhere in Minnesota, prompt legal assistance is critical. Contact our Rochester office today for a free consultation by completing our online inquiry form or calling 507-218-2004.