Underinsured motorist coverage, UIM, will help pay your damages if the person that hits you has insurance, but not enough to fully cover your damages. Although the law requires drivers to carry insurance coverage, the legally required level of coverage is very low. It does not take a very serious crash for your damages to be higher than the legal minimum insurance coverage.

If you do not have UIM coverage on your insurance policy, you may be risking your financial well-being. All it takes is a negligent act by a driver that either has no insurance, or has low coverage limits, and you may be facing financial disaster.

If you are involved in a crash with an uninsured driver, or a driver with very little insurance, you should consult with the lawyers at the Anderson Law Firm about your options. If you don't know if you have UM or UIM coverage, you should contact your insurance agent immediately. It costs very little to increase your coverage limits and could be the best money you ever spend.