Underinsured motorist coverage (UIM) and uninsured motorist coverage (UM) are both created to provide the policy owner with protection in care they were in an accident with a driver who doesn’t have enough insurance coverage or any insurance at all.

Uninsured motorists coverage typically covers the policy owner if they were in an accident caused by a driver who doesn’t have insurance. While underinsured motorist coverage covers when you are in an accident with a driver who does not have enough insurance to cover all of your expenses.

Both UIM and UM cover to pay for medical bills for any injury sustained, lost income and any expenses resulting from the accident.

The Uninsured motorist is especially useful if there is a hit and run accident scenarios.

These two coverages are optional in some states but in Illinois, you are required to purchase uninsured motorist coverage of at least $25,000 per person and $50,000 per accident.

Underinsured motorist coverage is included when you purchase higher limits of uninsured motorist coverage.

Its worth noting that both UIM and UM are both valuable additions to your auto insurance policy for added peace of mind.