Learn, Auto
Underinsured motorist (UIM)
What underinsured motorist coverage (UIM) is on an auto policy, and how it pays your injury and damage costs when the at-fault driver has too little liability.
Underinsured motorist (UIM) covers you when the at-fault driver has insurance but not enough for your damages.
If they carry $25,000 liability and you have $80,000 in injuries, UIM may pay the gap. Separate from uninsured motorist; strongly recommended in most states.