Add-on Underinsured Motorist Coverage (UIM) is a type of automobile insurance coverage that functions slightly differently from traditional UIM coverage. It’s designed to provide additional protection if you’re involved in an accident with a driver who doesn’t have enough insurance to cover the costs of the damages or injuries.
Here’s a detailed explanation:
Just like traditional UIM coverage, add-on UIM coverage protects you when the at-fault driver’s insurance isn’t sufficient to cover the costs of an accident. This includes situations where the at-fault driver has no insurance (uninsured), not enough insurance (underinsured), or if the at-fault driver cannot be identified (e.g., in a hit-and-run).
The primary difference between add-on UIM and traditional UIM lies in how the coverage amount is applied. With traditional UIM, the at-fault driver’s insurance pays first, and then the UIM pays for the remaining costs up to the UIM limit. However, with add-on UIM, your insurance will pay up to your UIM limit in addition to what the at-fault driver’s insurance pays. So, if your damages are $100,000, the at-fault driver’s insurance pays $50,000, and your add-on UIM limit is $75,000, your insurance would pay $50,000 to bring your total recovery to $100,000.
Just like other forms of insurance, add-on UIM has limits. However, because it’s add-on, these limits are in addition to the at-fault driver’s coverage, potentially providing more compensation for you.
To make a claim for add-on UIM benefits, you need to establish that the other driver was at fault and that your damages exceed their liability coverage. You must file a claim with your insurance company, which may require documentation like the police report, medical bills, and proof of the other driver’s insurance limits.
Remember, the availability of add-on UIM and the rules governing its use can vary from state to state. Always consult with an insurance professional or agent to ensure you fully understand the terms and conditions of your coverage.
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