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What is Underinsured / Uninsured Motorist Coverage (UIM)?

Unless you signed a waiver, your automobile insurance policy carries what is typically called uninsured / underinsured motorist coverage (UIM). This is valuable coverage. We encourage people to review their policies and purchase UIM coverage beyond the minimum amount required under Alabama law.

If the at-fault driver who caused your injuries is uninsured, your UIM coverage should pay you for your injuries (within the UIM policy limits). If the at-fault driver has liability insurance but not enough insurance to cover your injuries, then your UIM coverage should pay you on top of the at-fault driver’s insurance (within the UIM policy limits).