Underinsured motorist coverage, or UIM auto insurance, can be an important part of your car insurance plan. If you are hurt in an accident and the other driver does not have enough car insurance to cover all of your injuries and damages then UIM will require your own insurance company to pay the difference up to the amount of your injuries and damages. Without UIM, you may be stuck paying the difference on your own.
In order to collect UIM benefits from your insurance company then you must follow the proper procedures to make your claim. Failure to do so may prevent you from recovering money even if you paid for UIM coverage. Thus, it is important to start protecting your rights as soon as your accident occurs.
The video below explains what to do if you were hit by an uninsured driver.