View Single Post
Old 05-27-08, 11:38 AM
  #18  
zoste
VoodooChile
 
zoste's Avatar
 
Join Date: May 2008
Location: AZ
Posts: 1,048

Bikes: Salsa Casseroll

Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Likes: 0
Liked 0 Times in 0 Posts
UM = "uninsured motorist coverage"
UIM = "underinsured motorist coverage"

The first (UM) provides bodily injury protection (pain and suffering coverage) if you are hurt by the negligence of a driver who has no insurance.

UIM provides coverage if your pain and suffering exceed the defendant's coverage. An example of UIM: Pennsylvania requires automobile insurance, but the mandatory minimum coverage is only $15,000. If your injuries are more serious, that might not be enough to fully compensate you. Let's say you are injured so severely that you miss six months from work...$15,000 would not come close to full compensation, so you can collect on your underinsured coverage.
zoste is offline