would get $40,000 from their insurance, but you wouldn’t get the extra $20,000 from your UIM. However, if your UIMBI coverage is more than the other driver, you would collect for the damages: ; ; The other driver has the state minimum of $40,000 bodily injury liability coverage. ; ; You have under-insured motorist coverage of $75,000. ; ; You got badly injured in the accident, and your medical costs reach $75,000. As in the other situation, the other driver’s insurance would cover the $40,000, and your UIM would cover the difference. Of course, if you had a setback and your medical costs went on to exceed $75,000, you would not get more money because you would’ve reached your limit. One thing to keep in mind about uninsured and under-insured motorist coverage is that it follows you , not your vehicle . This means that if you get into an accident when you’re a passenger in a friend’s or relative’s car, your policy will still cover you. Of course, if the person is under-insured, their insurance will pay up to their limit, but if there are expenses that they can’t afford out-of-pocket, that’s when your coverage will kick in. • • •
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