Sometimes, getting UIM insurance to cover an accident is straightforward, and car insurance companies cooperate. But other times, the situation can be more complicated. For example, in some situations the insurance company might deny coverage, claiming that the policy does not apply to the accident in question for some reason. In these cases, an injured motorist may need to file a civil lawsuit against their insurance company to get the coverage they are entitled to. Of course, these lawsuits can be complicated, especially when going up against insurance companies’ large legal teams.