Broward Injury Lawyer Blog
Underinsured motorist (UIM) coverage is essential for anyone who drives a car or owns a vehicle. It is the means by which people injured in a car accident by a driver with minimal bodily injury liability coverage can seek more adequate compensation. More than 1 in 4 drivers in Florida don’t have any insurance at all, and a far higher number have insurance with minimum policy limits. 
In the case of Gillespie v. National Farmers Union Property & Casualty Co., plaintiff was the policyholder of a UIM policy that, when triggered, would cover not just her but her teenage daughter, who had just earned her temporary driver’s license. But the question before the North Dakota Supreme Court was whether those benefits were indeed triggered.
UIM policies only kick in when:
- You are an insured under the policy;
- Liability of the other party is established;
- The policy limits of the other policy are exhausted;
- Those policy limits are inadequate to compensate for crash-related damages.
