Underinsured Motorist Coverage (UIM)
Insurance Glossary
Auto coverage that pays the insured's remaining injury or damage costs when an at-fault driver carries liability limits too low to cover the loss. It applies after the other driver's liability limits are exhausted rather than in place of them. Availability, whether it can be rejected, and how it combines with the at-fault driver's limits all vary by state.
This content is for general informational purposes only and is not insurance, legal, or financial advice. Coverage, exclusions, eligibility, and pricing vary by insurer, by policy, and by state, and only the policy documents control what is covered. Always confirm the details of any coverage with a licensed insurance agent or the issuing carrier before you buy.
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