TexasCHLforum.com

GWE Chally wrote:My rates are likely to go up if it is filed as UIM because of the claim, not because of the fault.

Mine didn't go up with my mom was hit twice, that is why you pay UIM, as another form of insurance.
Hopefully your insurance doesn't penalize you for their negligence

RoyGBiv wrote:UM/UIM

twice my mother was hit by a UIM, and it was the UIM's fault.
the cars she was driving were mine, and I do keep UIM/UM for that reason as well.
It is well worth it, for the small cost, vs the cost of replacing 2 cars!