Q: How long do I have to submit an underinsurance claim?
A: The law is not very clear on this point, and the cases are not always consistent. The basic rule of thumb is that you are supposed to file a underinsurance (SUM) claim with your carrier within a "reasonably practicable time." My advice is that you should always err on the side of filing the claim immediately, before you even know what the bodily injury policy limits of the other driver's coverage are, and you have then protected your rights in case there is a valid SUM claim.
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