Underinsured Motorist Coverage (UIM)

Underinsured Motorist (UIM) coverage protects you when the at-fault driver has insurance, but their liability limits are too low to cover your injuries.

UIM can help pay for:

• Medical expenses
• Lost income
• Other covered damages above the at-fault driver’s liability limits

UIM is commonly paired with uninsured motorist (UM) coverage.

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UIM in the ru3.us Datasets

The UM/UIM Dataset (Version 2025.01) captures UM and UM/UIM requirements in a single structure:

• States with um_uim_required = "yes" may have combined UM/UIM requirements or separate UM and UIM components described together in um_uim_limits_text.

Dataset access:

• Documentation → /datasets/state-um-uim-minimum-coverage
• CSV → /datasets/state-um-uim-minimum-coverage.csv
• JSON → /datasets/state-um-uim-minimum-coverage.json

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Related Terms

• Uninsured Motorist Coverage (UM)
• Bodily Injury Liability