where is underinsured motorist coverage required 
uim coverage is required in connecticut kansas maine maryland minnesota nebraska north carolina north dakota oregon south dakota and vermont 1it s also required in new hampshire and virginia if you choose to purchase car insurance and in rhode island if you choose to carry more liability coverage than the state minimum 67 illinois requires you to buy uim coverage if you choose a um coverage limit higher than the state required minimum 8 new jersey requires uim if you choose a standard auto policy but not a basic policy 9