Do I Need Underinsured Motorist Insurance?

Underinsured motorist (UIM) coverage is a type of auto insurance that accident victims can turn to if the at-fault driver does not have sufficient liability insurance to cover their damages. State law does not require drivers to purchase this type of coverage. However, it could protect you if you are severely injured in the accident and the other driver only has minimum liability coverage. If you file a UIM claim, you make the claim with your own insurance provider.