Uninsured motorists (UM) coverage applies to bodily injury and, in some states, property damage...
underinsured motorists coverage (UIM)
Underinsured motorists (UIM) coverage applies to bodily injury and, in some states, property damage incurred by an insured when an auto accident is caused by a motorist who is not sufficiently insured.
Additional Information
Depending on the jurisdiction, UIM coverage may be written with a limits trigger or a damages trigger. With a limits trigger, UIM coverage applies when the limits of liability carried by the other motorist are lower than the UIM limits carried by the insured. With a damages trigger, UIM coverage applies when the insured's damages are more than the at-fault party's available limits.
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