Underinsured Motorist (UIM)Insurance Coverage is that part of your automobile insurance policy that protects you, your family members, and the passengers in your car when the at fault driver doesn’t have enough insurance to pay the full value of your claim for personal injury or wrongful death.
Simply stated, the liability insurance of the at-fault driver pays the claim against the at fault driver whose negligence causes injury or death in a motor vehicle collision. Many at-fault drivers do not have enough liability insurance coverage to pay the full value of the injury or wrongful death claim that they have caused. When the at-fault driver does not have enough insurance coverage, your own Uninsured Motorist Insurance coverage will pay that part of the value of your personal injury claim that is not covered by the liability insurance policy of the at-fault driver.
Thus, by having UIM coverage, you protect yourself, your loved ones, and your passengers. That is why it is so important.
The Schmidt-Salita Law Team has successfully handled over a thousand UIM claims.