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Old 05-27-08, 11:38 AM
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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.
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