Underinsured motorist (UIM) pairs with uninsured motorist (UM) on many auto policies. Limits, stacking rules, and offsets vary. Read your declarations page and ask how UIM interacts with health insurance and med-pay before you need it.
Underinsured Motorist
- What it means
- Coverage that may help when an at-fault driver has liability insurance, but their limits aren't enough for your injuries or damages.
- Tennessee example
- You're hit on I-40 near Knoxville by a driver carrying only state-minimum liability; UIM may apply after their limits are exhausted, subject to your policy.
- Why it hits your wallet
- Minimum-limit drivers are common; UIM is the literacy layer that addresses 'they had insurance — just not enough.'