what is covered by underinsured motorist coverage 
underinsured motorist coverage typically has two parts uim bodily injury covers medical bills and may cover lost wages and uim property damage covers the costs to repair or replace your vehicle both coverages apply to costs over the limit of the at fault driver s insurance however only uim bodily injury coverage is available in some states 3 if you re not sure what s required where you live ask your state s department of motor vehicles or your insurance agent 