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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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โˆ™ 2009-03-20 20:22:59
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Q: Difference between uninsured motorist and underinsured motorist coverage?
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Related questions

What exactly does Florida uninsured motorist insurance cover?

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


What happens if you are hit by an uninsured teen driver and they are found to be at fault?

If you have "Uninsured or Underinsured Motorist" coverage on your policy, then your insurance will cover it at no cost to you.


How can you get inexpensive motorcycle insurance that only pays out if you damage someone else and not for your own bike?

You are looking for liability only coverage. You should also consider uninsured & underinsured motorist coverage which will supply medical payments if you are injured by an uninsured or underinsured driver.


Is it necessary to carry uninsured motorist coverage in Arizona?

It is not a mandatory coverage. However, you have no bodily injury coverage if you are injured by an uninsured motorist.


What is covered as full coverage?

Full coverage would be Bodily injury/Property damage/ Uninsured motorist/ Comp/and Collison, plus I would add Underinsured motorist. Liabilty is for bodily injury and property damage.


What is uninsured vehicle coverage?

Uninsured motorist coverage provides insurance coverage when you are hit by a person who has no insurance coverage. You uninsured motorist coverage will take the place of the insurance that the other person did not have and will cover your damages just like theirs should have if they had it. The only difference is that you will have a small deductible for property damage coverage.


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?

The insurance will pay for your damage if you have insurance from underinsured motorists. Otherwise, the motorist will pay for it who doesn't have insurance if they have any money.


What is Uninsured motorist protection?

Uninsured motorist coverage provides coverage for bodily injury, and in some states property damage incurred by an uninsured driver or a driver with insufficient liability limits.


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.


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

If a motorist is injured by an uninsured motorist and the driver has uninsured motorist coverage the insurance carrier will provide coverage, if certain information is obtained on the uninsured driver. If a driver has Medical payment coverage or PIP coverage he or she and any passengers will be covered by the drivers auto policy Medical payment coverage.


What provides coverage if the other driver does not have car insurance?

Uninsured Motorist coverage

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