Underinsured Motorist Coverage
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Protection if the at-fault driver's limits aren't enough.
Definition
Underinsured motorist (UIM) coverage kicks in when the at-fault driver's insurance isn't enough to cover your damages. If you have $50,000 in medical bills and the other driver only has $25,000 in coverage, UIM can pay the difference up to your policy limits.
Example
The at-fault driver only had $15,000 in coverage, but Maria's UIM coverage paid the additional $35,000 she needed.
More Auto Insurance Terms
Insurance that pays for damage or injuries you cause to others.
Coverage for injuries you cause to others in an accident.
Coverage for damage you cause to others' property.
Insurance that pays to repair your car after an accident.
Insurance for non-collision damage like theft or weather.
Protection if you're hit by an uninsured driver.
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