Your Healing is Our #1 Priority

UIM is the acronym for underinsured motorist insurance. UIM coverage protects you from a unsafe driver in this manner. For example, someone makes the unwise decision to buy just the basic minimum required by law. That minimum is only $20,000 and is to be paid by the insurance policy when that driver is at fault for causing an accident that warrants $20,000 in injuries. What if that driver injures someone beyond $20,000? What then? That is when the injured person's UIM kicks in and provides additional coverage. For example, you are driving to work on the freeway and a dangerous unattentive driver is texting. He slams into you at 25 to 35 miles per hour while you are at a complete stop. You cannot work for 6 months because you have a ruptured disc in your back that needs to heal and possible even surgery. You make take home $50,000 a year. Clearly, the minimum coverage of $20,000 from the dangerous unattentive driver's insurance will not sufficiently cover your losses because your wage loss claim alone is $25,000 plus the pain and suffering of a ruptured disc. Now you make a claim with your UIM coverage.