Complaint | Automobile | Uninsured/Underinsured
Get Information from Law Enforcement
If you are involved in a vehicle collision, ask the law enforcement officers to provide you the insurance information pertaining to the other driver.
Uninsured/Underinsured Motorist ("UM/UIM") Coverage
Your automobile insurance company is required to provide you the option to subscribe to UM/UIM coverage, which pays costs associated with injuries you or your passengers sustain if you are involved in a crash with a driver who either does not have insurance (uninsured) or has insufficient insurance to cover the costs associated with injuries you or your passengers sustain (underinsured). UM/UIM coverage only pays costs for bodily injuries - it does not cover damage to your vehicle. You must carry collision coverage to pay for repairs to your vehicle if it is involved in a crash with another driver, and comprehensive coverage to pay for repairs to your vehicle if it is involved in another type of crash (e.g. running into a telephone pole).
We are aware of a phishing scam targeting insurance professionals claiming that the National Association of Insurance Commissioners received a complaint that the professional submitted a falsified claim. This fraudulent email displays the NAIC and CIPR logos, can originate from what appears to be an naic.org or gmail.com email account, and instructs the recipient to click on a link to download the complaint notification.
Certain antivirus products will detect this as a malicious email. If you receive a similar email and have any concerns, contact the NAIC Service Desk at (816) 783-8500 or [email protected].