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Answered 2009-03-20 20:22:59

This is actually ONE coverage, serving two different purposes. You will often see this expressed on a declarations page as UM/UIM. Uninsured motorist coverage is self explanatory. YOUR uninsured motorist coverage on YOUR policy will pay for damages to your insured automobile when an 'At Fault' vehicle does not have any insurance coverage to pay for your damages. UIM is UnderInsured Motorist coverage and would be available when the damages to -your vehicle exceed the amount of coverage in effect on the at fault party's liability coverage. This is an important coverage to have; very few state minimum liability limits are adequate anymore to offer full protection to owners. Rising auto costs and auto parts costs, plus the lower threshold to declare a total loss make higher UIM limits a sound decision.

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Underinsured and uninsured motorist coverage protects drivers when the in Florida as the state does not require motorists to carry bodily injury coverage.


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What is covered as full coverage?

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Is it necessary to carry uninsured motorist coverage in Arizona?

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What is uninsured vehicle coverage?

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If the person at fault does not have enough coverage then is this a good idea that go through your insurance for claim?

Yes. That is what your Uninsured/Underinsured Motorist coverage is for. Limits & conditions are very state & company specific.


In a collision an uninsured motorist was at fault who pays for the damage insurance or uninsured motorist?

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What is Uninsured motorist protection?

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Will full coverage cover the insurance holder if they were injured?

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What exactly is underinsured motorist car insurance?

Underinsured motorist coverage is a coverage in case you have an accident with someone who doesn't have insurance or enough insurance. For example, if someone hits you and they don't have enough coverage to fix your car, your insurance would help you out.


If you are an insured motorist and get hit by an uninsured motorist should you use your job's personal medical insurance or your auto insurance or both?

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If someone dented your car in a parking lot then left would your uninsured motorist insurance cover the damages?

no, uninsured motorist coverage is for injuries only when an uninsured motorist hurts the occupants of a vehicle......there is a coverage called uninsured motorist property damage, (most people do not have this and are even unaware that it is available, and is not available in all state) if you have that or collision coverage those will cover the damage to your vehicle ........



If someone hit your car and didnt have insurance is it covered by uninsured motorist?

Yes as long as your policy has uninsured motorist coverage on your policy.


What should you do if an uninsured motorist hits your car and it is their fault?

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How much uninsured motorist coverage do I need on my auto insurance policy in the state of Georgia?

You need at least $2000 uninsured motorist coverage for you auto insurance policy in the state of Georgia


Where is the limit of insurance company liability for uninsured motorist coverage listed in the policy?

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What is uninsured motorist property dam?

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What does 'stacking' mean in regard to auto insurance?

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Should I put uninsured motorist insurance on my car or truck?

It is a very good idea to have uninsured motorist coverage. You need to always have yourself protected.


What does stacked uninsured motorist coverage mean and will it get your car fixed by insurance?

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What does uninsured motorist and under insured motorist insurance cover?

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What is uninsured insurance?

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How can you recover from an uninsured motorist?

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