Glossary term
Uninsured/underinsured motorist (UM/UIM)
Uninsured/underinsured motorist (UM/UIM): Pays for your injuries (and in some states vehicle damage) when the at-fault driver has no or too little insurance. Required in about twenty states.
Where this term matters
Guides and entries on this site that use the term.
Guide
Liability Insurance Minimums by State
Every state's minimum liability requirements and the extra coverages some states mandate—PIP, uninsured motorist, MedPay—in one reference table.
Guide
How to Compare Liability-Only Car Insurance Quotes
A method for comparing liability-only quotes: fix the limits, include UM and any required PIP, standardise inputs, add fees, and check for filings if needed.
Entry
Do You Need Uninsured Motorist Coverage with Liability-Only Insurance?
Understand why uninsured motorist coverage is essential when dropping full coverage, how state laws treat it, and what happens when hit by an uninsured driver.