Short Answer:
Underinsured motorist (UIM) coverage in Colorado pays for your remaining damages when the at-fault driver’s insurance limits are too low to fully cover your injuries. It supplements the other driver’s policy, up to your UIM limits, after their coverage is exhausted—learn why a free legal consultation matters here.
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Example:
If your damages total $100,000 and the at-fault driver’s liability coverage is only $25,000, their insurer pays $25,000. If you carry $100,000 in UIM coverage, your policy may pay up to the remaining $75,000 to cover your losses.