This page will explain how underinsurance and uninsured motorist insurance (UIM) work and how you can access it to get compensation for an accident claim. We will also look at examples of recent settlements and verdicts in actual auto accident cases involving UIM claims.
What is Uninsured Motorist Coverage?
Uninsured and underinsured motorist coverage (UIM) is the part of your auto insurance policy that is supposed to pay for losses or damages caused by another driver when that at-fault driver either: (a) has no insurance, or (b) does not have enough insurance to cover all of your damages. The best way to help you understand how UIM coverage works is with hypothetical examples.








