Uninsured/Underinsured is the same coverage. It's called UM/UIM BI (BI = bodily injury). I've never seen a carrier that offered 2 separate coverages, one for UM and one for UIM.
Here’s a primer. It’s not the same thing. Maybe somebody in the industry can chime in?
I am in the industry.
UM and UIM serve the same purpose. In most states, they are lumped together as UM/UIM, which is how it is in my state. I did find out that there are some states (likely yours among them) that do split the coverages up. It looks like those states are Massachusetts, New Jersey, New York, South Carolina, and Wisconsin. Learned something new today.
I just looked at my Il. policy and they are separate. $100,000/$300,000. My truck for 6 months is UM $36.40,UIM $9.20,and also lists Medical $13.70. My Cuda and Corvette have yearly policy and each are UM $10.70,UIM $2.70,Medical $6.90.
