> ## Documentation Index
> Fetch the complete documentation index at: https://docs.nelsonandassociatesinc.com/llms.txt
> Use this file to discover all available pages before exploring further.

# 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.

## Related terms

* [Uninsured motorist (UM)](/learn/uninsured-motorist)
* [Bodily injury liability](/learn/bodily-injury-liability)
* [Umbrella insurance](/learn/umbrella-insurance)

## Further reading

* [FTC — Auto insurance basics](https://consumer.ftc.gov/articles/auto-insurance-what-you-need-know)

These are independent consumer-education sources. Coverage details vary by state and carrier.

## Get a quote

Ready for coverage? A licensed agent calls during business hours (**Mon–Fri 9–5 CT**):

* [Auto / home / life quote](https://nelsonandassociatesinc.com/quote?utm_source=docs\&utm_medium=referral\&utm_campaign=underinsured-motorist)
* [Small business / commercial](https://nelsonandassociatesinc.com/commercial?utm_source=docs\&utm_medium=referral\&utm_campaign=underinsured-motorist)


## Related topics

- [Uninsured motorist (UM)](/learn/uninsured-motorist.md)
- [Umbrella insurance](/learn/umbrella-insurance.md)