Nov 6, 2025 · Uninsured/underinsured motorist coverage (UM/UIM) is a coverage that covers your injuries and damages when the at-fault driver has no insurance or not enough insurance.

Underinsured motorist coverage, which is usually offered alongside uninsured motorist coverage, protects you if you're hit by a driver who doesn't have enough coverage to pay for the …

Sep 12, 2024 · Underinsured motorist (UIM) coverage applies when the at-fault driver has insurance, but their liability coverage is insufficient to fully compensate you for your injuries.

Underinsured motorist (UIM) insurance is separate coverage but sometimes is packaged with UM. UIM pays for medical bills and other expenses for you and your passengers if you’re in a car...

Oct 2, 2025 · Uninsured motorist (UM) and underinsured motorist (UIM) insurance will cover your medical expenses and vehicle repair costs up to predetermined limits. The two types of …

In most states, drivers are required by law to carry liability insurance on their auto insurance policies. However, that doesn’t stop many people from driving without it, or purchasing the …

Uninsured/underinsured motorist (UM/UIM) coverage is mandatory in many states—like Connecticut, Illinois, and Maryland—to protect drivers from costs associated with accidents …

Aug 11, 2025 · If you’re hit by a driver without insurance, uninsured motorist coverage can step in to protect you. If you’re hit by someone whose policy limits aren’t high enough to cover your …

Like liability insurance, uninsured (UM) and underinsured motorist (UIM) coverage breaks down into two coverage types: bodily injury and property damage. Uninsured/underinsured motorist …

Jun 4, 2025 · Learn how Uninsured and Underinsured Motorist (UM/UIM) coverage protects you when other drivers can’t. Find out what it covers, why it matters, and how to make sure you're …