Underinsured motorist coverage, which is often referred to as UIM coverage, is insurance coverage that you buy from your insurance company to provide additional coverage to protect you and your family in case you are injured through the fault of another driver whose insurance coverage is not large enough to cover the injuries and damages that you sustain.  For instance, suppose that another driver who carries the Kentucky minimum of $25,000 liability insurance negligently causes a wreck with you and your lost wages and medical bills are $50,000.  Since the other driver has only $25,000 insurance, he is underinsured to cover your losses.  In this instance, your UIM coverage should cover the rest of your losses.  To learn more get a copy of our special report The Kentucky Consumer Guide To Buying Car InsuranceCall or email us for a copy.