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What Is Underinsured Motorist (UIM) Coverage?

Let me give you a common scenario. Let’s say you were in a car accident and got hurt real bad. You broke your hand and you need surgery. The accident wasn’t your fault, you were minding your own business, driving down the highway when somebody turned left right in front of you.

There was no way you could stop.

Unfortunately, the driver who turned in front of you only carried $25,000 in insurance. Not only are you facing the cost of surgery, but the doctor is telling you that you aren’t going to be able to type on the computer for months. You can’t do your job if you can’t type. You only have a week of vacation left, how are you going to pay your bills while you wait for your hand to heal?

Even though $25,000 is more money than you’ve ever been able to save in the bank, it’s not going to cover your medical bills and missed paychecks. How are you going keep your head above water?How are you going keep your head above water?
Maybe by getting some money from your own auto insurance.

Maybe by getting some money from your own auto insurance. Underinsured Motorist coverage or “UIM” insures you in the event you get hurt in a car accident and the at-fault driver did not carry enough insurance to pay for your medical costs, lost wages and pain and suffering.

In some cases, depending on how the insurance policy is written, the UIM “stacks,” meaning, if you carry UIM coverage on more than one auto policy, you might be able to add the limits from all policies.

About the Author

Rebecca RutzRebecca “Becky” Henning-Rutz graduated from the University of Montana with her law degree in 2006 and has been working in Kalispell ever since. Becky has been working as an associate for Henning, Keedy & Lee since 2007.View all posts by Rebecca Rutz →

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