Best Personal Injury Lawyers in Cornelius, NC

What Is The Difference Between Uninsured & Underinsured Motorist Coverage? Uninsured motorist (UM) coverage offers protection to individuals who have been injured by uninsured drivers, while underinsured motorist (UIM) coverage is for those who have been injured by a driver whose limits of liability are less than your UIM coverage limits and are not enough to cover your losses. Uninsured motorist coverage policies cover bodily injury and property damage and can cover not only the owner of the vehicle but also the family members and any passengers in the vehicle. The amount your coverage pays depends on the liability policy you have. For example, if you have a common $30,000/$60,000 liability policy, which comes out to $30,000 per person and $60,000 per accident, then your uninsured motorist coverage has the same limits. North Carolina statutory law requires every driver in the state to have uninsured motorist and underinsured motorist coverage, so if you have been injured in an accident caused by a driver that is unable to cover your damages, there is a good chance that you can file a claim with your own insurance company.