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The key to every claim is a thorough investigation of the facts of the case. A claim denied before completing a thorough investigation can be evidence of the tort of bad faith. 

Uninsured Motorist (UM) and underinsured motorist (UIM) coverages place the insurer in the place of a third party that was uninsured, underinsured, or unknown who allegedly caused injury to the insured. If the investigation shows the insured was liable for the accident—rather than the uninsured or underinsured motorist—then the insured cannot recover under a UM or UIM policy.

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