Underinsured Motorist Coverage (UIM)

Insurance coverage that may pay you when the at-fault driver’s liability limits are too low to cover your losses.

Uninsured Motorist Coverage (UM)

Insurance coverage that may pay you when the at-fault driver has no insurance or in certain hit-and-run situations, depending on state law and policy terms.

What to know for both:

• These coverages are usually found on your own auto policy.

• They can be crucial in serious injury cases where the other driver has minimal or no coverage.