--- title: "Uninsured / Underinsured Motorist in Utah | Metler Law" description: "Metler Law represents injured Utahns and their families in personal injury, wrongful death, and mass tort cases. Free, no-obligation consultations. Provo, Salt Lake, and statewide. Hablamos Español. Call (801) 377-1900." lang: en json-ld: | [ { "@context": "https://schema.org", "@type": [ "LegalService", "Attorney", "LocalBusiness" ], "name": "Metler Law", "alternateName": "Jeff Metler Law", "description": "Utah personal injury, wrongful death, and mass tort attorney serving Provo, Salt Lake, and the entire state.", "url": "https://metlerlaw.com/", "telephone": "+1-801-377-1900", "image": "https://d2xsxph8kpxj0f.cloudfront.net/310519663356698318/7DumkbkSBgGp4oMjRjjbfr/jeff-metler-portrait-9vTKmzqVxf6uh2VBHPLWNz.png", "priceRange": "Free Consultation · Contingency Fee", "address": { "@type": "PostalAddress", "streetAddress": "4844 N 300 W, Suite 300", "addressLocality": "Provo", "addressRegion": "UT", "postalCode": "84604", "addressCountry": "US" }, "areaServed": [ { "@type": "State", "name": "Utah" }, { "@type": "City", "name": "Provo" }, { "@type": "City", "name": "Orem" }, { "@type": "City", "name": "Salt Lake City" }, { "@type": "City", "name": "Park City" }, { "@type": "City", "name": "Ogden" }, { "@type": "City", "name": "St. George" } ], "founder": { "@type": "Person", "name": "Jeff Metler", "jobTitle": "Personal Injury Attorney", "alumniOf": [ "J. Reuben Clark Law School at Brigham Young University", "University of Idaho Law School", "Brigham Young University" ] }, "sameAs": [ "https://www.facebook.com/MacArthur.Heder.Metler/", "https://mhmlawoffices.com/attorney/jeffery-metler/" ] }, { "@context": "https://schema.org", "@type": "LegalService", "name": "Metler Law — Uninsured / Underinsured Motorist (Utah)", "areaServed": { "@type": "State", "name": "Utah" }, "telephone": "(801) 377-1900", "address": { "@type": "PostalAddress", "streetAddress": "4844 N 300 W, Suite 300", "addressLocality": "Provo", "addressRegion": "UT", "postalCode": "84604", "addressCountry": "US" }, "priceRange": "Free consultation" } ] --- Provo HQ · Serving All of Utah · No Fee Unless We Recover English & Español [(801) 377-1900 ](tel:+18013771900) ![Metler — Attorney at Law (a Division of MHM)](/manus-storage/metler-logo_346f19d8.png)Metler Law — Utah Car Accident Attorneys [Home](/)Crash TypesLocations[The Team](/about)[Results](/results)[FAQ](/faq) [(801) 377-1900](tel:+18013771900)[Free Case Review](/contact) ![Uninsured / Underinsured Motorist in Utah](https://d2xsxph8kpxj0f.cloudfront.net/310519663356698318/7DumkbkSBgGp4oMjRjjbfr/car-accident-utah-bRb6Vz9KDgEHx4u8cPM6ie.webp) Practice area · Utah # Uninsured / Underinsured Motorist across Utah. UM and UIM coverage are the most undervalued tools in Utah personal injury. We treat them as first-tier, not last-resort. [(801) 377-1900](tel:+18013771900)[Free Case Review](/contact) What this case really involves ## What we look at in a uninsured / underinsured motorist case. When the at-fault driver has no insurance (UM) or not enough (UIM), the case shifts to your own policy — and the dynamic shifts with it. Now your insurer is the adverse party, even though they've been collecting your premiums. Insurers know most plaintiffs' lawyers approach UM/UIM as an afterthought. We don't. We file properly, comply with consent-to-settle and notice requirements, and pursue bad-faith remedies where the carrier behaves badly. Stacking analysis matters in households with multiple vehicles or multiple resident family members. We map the available coverage before sending the demand. Insurance issues we anticipate - — UM on your own auto policy - — UIM on your own auto policy - — Household-resident stacking where applicable - — Umbrella/excess policies Talk to a real attorney ### Free, no-pressure case review. We tell you whether you have a case before you sign anything. No attorney fee unless we recover for you. [(801) 377-1900](tel:+18013771900)[Send your case](/contact) FAQ - Can my own insurer really fight me? Yes. UM/UIM is adversarial by design. That's why having a focused PI attorney matters. - Will my premium go up? Filing a UM/UIM claim after a not-at-fault crash should not raise your premium. We can help you confirm. Choose your Utah city ## Uninsured / Underinsured Motorist pages, by location. Each city page lists local crash corridors, hospitals, and the courthouse where your case would be filed. Utah County [Provo](/uninsured-motorist-lawyer/provo)[Orem](/uninsured-motorist-lawyer/orem)[Lehi](/uninsured-motorist-lawyer/lehi)[American Fork](/uninsured-motorist-lawyer/american-fork)[Pleasant Grove](/uninsured-motorist-lawyer/pleasant-grove)[Spanish Fork](/uninsured-motorist-lawyer/spanish-fork)[Saratoga Springs](/uninsured-motorist-lawyer/saratoga-springs)[Springville](/uninsured-motorist-lawyer/springville)[Payson](/uninsured-motorist-lawyer/payson)[Eagle Mountain](/uninsured-motorist-lawyer/eagle-mountain)[Vineyard](/uninsured-motorist-lawyer/vineyard)[Lindon](/uninsured-motorist-lawyer/lindon) Show 1 more cities in Utah County We serve every Utah city below — tap to see the full list. Salt Lake County [Salt Lake City](/uninsured-motorist-lawyer/salt-lake-city)[West Jordan](/uninsured-motorist-lawyer/west-jordan)[Sandy](/uninsured-motorist-lawyer/sandy)[Draper](/uninsured-motorist-lawyer/draper)[South Jordan](/uninsured-motorist-lawyer/south-jordan)[West Valley City](/uninsured-motorist-lawyer/west-valley-city)[Murray](/uninsured-motorist-lawyer/murray)[Riverton](/uninsured-motorist-lawyer/riverton)[Herriman](/uninsured-motorist-lawyer/herriman)[Bluffdale](/uninsured-motorist-lawyer/bluffdale)[Taylorsville](/uninsured-motorist-lawyer/taylorsville)[Midvale](/uninsured-motorist-lawyer/midvale) Show 4 more cities in Salt Lake County We serve every Utah city below — tap to see the full list. Other Utah Cities [Logan](/uninsured-motorist-lawyer/logan)[Bountiful](/uninsured-motorist-lawyer/bountiful)[Farmington](/uninsured-motorist-lawyer/farmington)[Park City](/uninsured-motorist-lawyer/park-city)[Heber City](/uninsured-motorist-lawyer/heber-city)[Ogden](/uninsured-motorist-lawyer/ogden)[Layton](/uninsured-motorist-lawyer/layton)[St. George](/uninsured-motorist-lawyer/st-george)[North Logan](/uninsured-motorist-lawyer/north-logan)[Smithfield](/uninsured-motorist-lawyer/smithfield)[Hyrum](/uninsured-motorist-lawyer/hyrum)[Centerville](/uninsured-motorist-lawyer/centerville) Show 23 more cities in Other Utah Cities We serve every Utah city below — tap to see the full list. Related crash types ## Other cases we handle. [ ### Car Accident Lawyer Two- and multi-vehicle crashes anywhere in Utah. ](/car-accident-lawyer)[ ### Rear-End Collision Lawyer Whiplash, herniated discs, and stop-and-go I-15 chain reactions. ](/rear-end-collision-lawyer)[ ### T-Bone / Intersection Lawyer Failure-to-yield, ran-the-red, and unprotected left-turn intersection crashes. ](/t-bone-accident-lawyer)[ ### Rollover Accident Lawyer SUV and pickup rollovers, often involving canyon roads and Utah's mountain passes. ](/rollover-accident-lawyer)[ ### Hit-and-Run Lawyer Driver fled the scene? We pursue UM coverage and identify the at-fault driver. ](/hit-and-run-lawyer)[ ### Distracted Driver Crashes Texting, navigation, in-car screens — we subpoena phone records to prove it. ](/distracted-driver-lawyer) Talk to a real attorney today ## Call Metler Law. We answer the phone. Free, confidential consultation. No fee unless we recover. Speak directly with an attorney on the Metler Team — not a screener, not a call center. [(801) 377-1900](tel:+18013771900) [Send your case](/contact) - Monday – Friday · 9:00 AM – 5:00 PM - English & Español Office 4844 N 300 W, Suite 300 Provo, UT 84604 Free consultations by phone, video, or in our Provo office. Calls after hours are returned the next business day. ![Metler — Attorney at Law](/manus-storage/metler-logo_346f19d8.png) Utah car accident attorneys. Personal injury is the entire focus of our practice. English & Español. No attorney fee unless we recover for you. [Call (801) 377-1900](tel:+18013771900)[Free Case Review](/contact) Office - 4844 N 300 W, Suite 300 Provo, UT 84604 - [(801) 377-1900](tel:+18013771900) - [intake@metlerlaw.com](mailto:intake@metlerlaw.com) - Monday – Friday · 9:00 AM – 5:00 PM Saturday & Sunday · Closed Crash Types We Handle - [Car Accident Lawyer](/car-accident-lawyer) - [Rear-End Collision Lawyer](/rear-end-collision-lawyer) - [T-Bone / Intersection Lawyer](/t-bone-accident-lawyer) - [Rollover Accident Lawyer](/rollover-accident-lawyer) - [Hit-and-Run Lawyer](/hit-and-run-lawyer) - [Uninsured / Underinsured Motorist](/uninsured-motorist-lawyer) - [Distracted Driver Crashes](/distracted-driver-lawyer) - [Drunk-Driver Crashes](/drunk-driver-lawyer) - [Uber & Lyft Crashes](/rideshare-accident-lawyer) - [Commercial Truck Crashes](/truck-accident-lawyer) - [Motorcycle Crashes](/motorcycle-accident-lawyer) - [Pedestrian vs. Vehicle](/pedestrian-accident-lawyer) - [Bicycle vs. Vehicle](/bicycle-accident-lawyer) - [The Metler Team](/about) - [Case Results](/results) - [FAQ](/faq) - [Contact](/contact) Utah Locations - [Provo](/locations/provo) - [Orem](/locations/orem) - [Lehi](/locations/lehi) - [American Fork](/locations/american-fork) - [Pleasant Grove](/locations/pleasant-grove) - [Spanish Fork](/locations/spanish-fork) - [Saratoga Springs](/locations/saratoga-springs) - [Salt Lake City](/locations/salt-lake-city) - [West Jordan](/locations/west-jordan) - [Sandy](/locations/sandy) - [Draper](/locations/draper) - [South Jordan](/locations/south-jordan) - [West Valley City](/locations/west-valley-city) - [Murray](/locations/murray) Show all Utah cities we serve We serve every Utah city below — tap to see the full list. Serving Utah County, Salt Lake County, and the entire Wasatch Front — cases accepted statewide. © 2026 Metler Law — a practice of MHM MacArthur Heder Metler Attorneys at Law. All rights reserved. This website is attorney advertising. No representation is made that the quality of the legal services to be performed is greater than the quality of legal services performed by other lawyers. Past results do not guarantee future outcomes. Every case turns on its own facts, evidence, insurance coverage, and applicable law. [Call (801) 377-1900](tel:+18013771900)[Free Review](/contact)