When the Other Driver’s Insurance Isn’t Enough: How UIM Coverage Fills the Gap

Video Transcript

If you’re wondering what happens when the other driver has insurance, but not enough, that is exactly what underinsured motorist coverage or UIM coverage is designed for. A lot of serious injury cases are worth more than the at-fault driver’s policy limits. When that happens, UIM can provide an additional layer of coverage that may help make up the difference so that your recovery actually reflects what you’ve been through. In South Carolina, auto insurance companies are required to offer underinsured motorist coverage, but whether you have it depends on whether you selected it when you bought your policy. One of the first things a good lawyer does in a major auto case is identify every potential layer of coverage, not just the obvious ones, because in real life, insurance coverage often determines what can actually be recovered.