I live in Oklahoma. My minor son was involved in an auto accident. Not his fault. The other man's insurance company and I have already settled property damage, however, now we are to medical. The "other man" only has 10,000 liability medical coverage. The insurance company (the other man's) said that the claim will be worth quite a bit over 10,000. They told me to file a claim with My son's father's insurance company to claim underinsured motorist. 1)His Dad and I have joint custody of him, he lives weekdays with me, weekends with him. Will be be a class 1 member of the his father's house? By the way I don't Have UM coverage. 2) Is that insurance company telling me to do the right thing? 3)Does UM only pay for true out of pocket medical expenses?