UM / UIM Insurance Policy Search
Confirm the at-fault is uninsured — then map your client's own UM/UIM stack.
UM/UIM cases are a two-step coverage search. First, we confirm the at-fault driver actually has no coverage (or coverage below your client's damages). Second — and this is where plaintiff attorneys leave money on the table — we map your client's full UM/UIM stack: their own auto policy, any resident-relative's policy in the household, any employer-fleet UM coverage if the client was working, and any umbrella with UM follow-form. Most attorneys check policy #1. We check all of them.
Built for the firms that actually run uninsured / underinsured motorist cases.
What a uninsured / underinsured motorist policy search produces.
Questions plaintiff attorneys ask about Uninsured / Underinsured Motorist searches.
Can you confirm the at-fault driver is actually uninsured?
Yes — that is the first half of every UM search. We confirm the at-fault's coverage status (or absence) through carrier verification and DMV financial-responsibility records.
What does "stacking" mean and do you find stackable policies?
Stacking allows your client to combine UM limits across multiple policies in the household. We identify every policy the client could potentially stack against — household auto, resident relatives, and employer-fleet if applicable.
What about hit-and-run cases?
Hit-and-run defaults to UM under most state statutes. We treat it as a UM case from intake and map your client's entire UM stack on day one.
Every search runs under documented permissible purpose.
Insurance policy discovery sits at the intersection of GLBA §6802 / §6803, DPPA 18 U.S.C. §2721(b) permissible uses, and FCRA considerations. We document the basis on every file — and our investigator can testify to it.
Related practice areas
Need a uninsured / underinsured motorist policy search now?
Standard turnaround 4–72 hrs. Rush available same day. Operated by Miami Private Investigations · FDACS A1800135.