An Underinsured Motorist is a driver who possesses liability insurance coverage that is insufficient to fully compensate for damages or injuries caused in an accident. If an underinsured motorist is at fault in a collision and the damages exceed the limits of their insurance coverage, they may be unable to fully compensate the injured party for their losses.

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Why You Need Uninsured Motorists Coverage

When purchasing automobile insurance, being well-informed is essential for making intelligent decisions due to the various factors involved. One critical decision is whether to invest in uninsured motorists (UM) and underinsured motorists (UIM) coverage.