Underinsured Motorist (UIM) coverage:
• Covers gap between driver's coverage and your damages
• Part of your own auto policy
• Kicks in after driver's limits exhausted
• Can significantly increase recovery
Understanding UIM Coverage
Maximizing Recovery
When driver is underinsured:
• Collect full limits from driver
• File UIM claim with your insurer
• Pursue personal assets if substantial
• Investigate third-party liability
• Consider dram shop claims
• Collect full limits from driver
• File UIM claim with your insurer
• Pursue personal assets if substantial
• Investigate third-party liability
• Consider dram shop claims
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