Personal Injury ~ Car Wreck ~ 18 Wheeler Crash ~ Motorcycle Accident

• Purpose: Protects you if you’re injured in an accident caused by a driver who has liability insurance, but not enough to cover your total damages.
• Applies to bodily injury, and sometimes property damage, depending on your policy.

• Not required by law, but insurers must offer it when you purchase a policy.
• You can reject UIM coverage in writing.
• Governed by Mississippi Code § 83-11-101 and related sections.

Stacking is allowed:

• You can stack UIM coverage for multiple vehicles on your policy.
• For example, if you have $25,000 in UIM on 3 vehicles, you may be able to claim up to $75,000 in UIM benefits (unless your policy specifically prohibits stacking).

Offset by at-fault driver’s liability:

• Your UIM benefit may be reduced by the amount you recover from the at-fault driver’s insurance.
• Example: If you have $50,000 UIM coverage and recover $25,000 from the other driver, you may be eligible for an additional $25,000 from your UIM policy.

Covers more than just car accidents:

• Can apply if you're hit while walking, biking, or riding in someone else’s vehicle.

You’re injured in a crash. The other driver has minimum coverage:

• $25,000 liability limit, but
• Your injuries and losses total $100,000.

If you have $100,000 in UIM coverage, you can claim the $75,000 difference (after receiving $25,000 from the at-fault driver).

• Mississippi only requires $25,000 per person / $50,000 per accident in liability coverage.
• Serious accidents can easily exceed those limits.
• UIM gives you critical financial protection—especially for medical costs and lost income.

In Mississippi, Underinsured Motorist (UIM) coverage is optional but strongly recommended.