On behalf of McCormick Law Office of McCormick Law Office posted in Underinsured Motorist on Tuesday, August 2, 2016.
Underinsured motorist coverage, called UIM coverage, covers an injured driver or passenger's losses when the at-fault driver has some liability insurance, but his limits are too low to cover the actual medical bills, wage loss, pain and suffering his bad driving caused. If the at-fault driver's insurance pays for damages up to its policy limits, then your underinsured motorist coverage will cover the excess amount up to the UIM limits you have. A little different from uninsured motorist coverage.