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Uninsured / Underinsured Motorist (UM/UIM)
UM/UIM coverage pays an insured's losses when the at-fault driver has no insurance or too little, coverage that interacts closely with subrogation rights.
Also known as: UM, UIM, uninsured motorist
When an at-fault driver is uninsured or underinsured, the insured's own UM/UIM coverage responds. That payment can create its own reimbursement and subrogation questions, and the thin coverage of the tortfeasor often shapes whether pursuing a recovery is worthwhile.
See also