What is UM or UIM insurance?

Underinsured and Uninsured Motorist Coverage Explained

UM stands for 'uninsured motorist' coverage.  UIM stands for 'underinsured motorist' coverage.  These are types of coverages that are on your own automobile insurance policy.   

What is the difference between uninsured motorist versus underinsured motorist coverage?

Uninsured motorist coverage (UM) protects those who are injured by an at-fault driver that has no insurance.  

Underinsured motorist coverage (UIM) is applied when the at-fault driver has motor vehicle insurance that is not sufficient to pay damages for bodily injury.

How do UIM and UM coverage work?

If you are injured by a negligent driver who does not have liability insurance (or inadequate liability insurance), you may make a claim with your own insurance carrier if you have UM/UIM coverage. 

What if an uninsured motorist is at fault for a car accident?

When you make a UM claim, your insurance carrier "stands in the shoes" of the negligent driver and is permitted to assert all defenses that this driver may have had against you (e.g., comparative fault, excessive medical treatment, etc.).

Learn More About UM / UIM Insurance

Related Uninsured Motorist Coverage Questions

  • Does underinsured and uninsured motorist coverage apply to hit and run accidents?
  • Am I required to have UM and/or UIM coverage in Washington state?
  • Does underinsured and uninsured  motorist coverage apply to property damage from a collision?
  • Why do I need uninsured motorist coverage?
  • What is the minimum amount of required uninsured motorist coverage in WA?
  • How much underinsured or uninsured motorist coverage do I need?
  • How much of UIM or UM motorist coverage is for bodily injury?
  • How much uninsured or underinsured motorist coverage should I have?
Chris Davis
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Christopher M. Davis is principal attorney and founder of Davis Law Group, P.S. in Seattle, WA.