What is Underinsured Insurance (UIM) Coverage and How Does it Work?

Underinsured Coverage (also known as UIM) steps in when your medical bills vastly exceed the policy limits of the driver who’s hit you.

UIM coverage will step in and pay in excess of what the policyholder’s liability has. This coverage extends beyond medical bills to also include your property damage.

For more information about UIM and what to do if you’ve been hit by an uninsured or underinsured driver: What If I’m Hit by an Uninsured Driver?