Uninsured and Underinsured Motorist Insurance Coverage
Underinsured motorist coverage is not the same as uninsured motorist coverage. You may find that this coverage is listed on the card you carry in your glove compartment as UI and UIM. UI stands for uninsured and UIM stands for underinsured motorist coverage. State Farm’s declaration page uses “U” for uninsured and “W” for underinsured. Underinsured motorist coverage applies when the person who caused your accident has insurance but the limits aren’t high enough to fully compensate you for your losses.