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Underinsured Motorist (UIM)

Underinsured motorist coverage pays the gap when an at-fault driver has insurance but their limits are not enough to cover your total damages. It works in tandem with uninsured motorist coverage.

Pays the gap when an at-fault driver does have insurance but their limits are not enough. Example: an at-fault driver with $25,000 bodily injury limits causes you $90,000 in medical bills. Their carrier pays $25,000. Your UIM pays the remaining $65,000 up to your UIM limit.