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.

On my way into work and my drive home I play a game called 'spot the oldest expired license plate tabs'. Oldest so far was 2021. Spotted last week. In MN you need to provide proof of insurance to renew your tabs. I'm guessing police do not pull people over for expired tabs anymore due to fear of riots.
Add to that the rediculous amount of stolen KIA and Hyndais driving around No way I would drop UI insurance.

Might depend where you live. If you live near a large metro area full of "cultural enhancers" then good idea to load up on the insurance. If you live in North Dakota then the odds are more in your favor.

https://www.progressive.com/answers/uninsured-motorist-insurance/

Here’s a primer. It’s not the same thing. Maybe somebody in the industry can chime in?

Not a charger is in the industry and I believe he is saying the coverage limits for UM and UIM are the same. Meaning if your policy limits for UM is $50,000 then your policy limits for UIM will also be $50,000.

Most auto insurance companies "bundle" Underinsured Motorist (UIM) and Uninsured motorist (UM) together when they sell you an auto insurance policy. Meaning they quote a single price that includes both UIM and UM coverage bundled together, instead of quoting separate prices for each.

UM coverage protects the policy holder when the at-fault driver has no insurance at all (and provides no coverage if the at-fault driver has insurance).
UIM coverage protects the policy holder when the at-fault driver has insurance, but your damages exceed the limits of the at-fault driver's insurance policy (and provides no coverage if the at-fault driver has no insurance).
Auto insurance policy rules vary from state to state so there is no "one size fits all" rule so your mileage may vary...

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.

They aren’t the same purpose. That’s why they are separate coverages. Some states require both. That list isn’t all of them.

They do serve the same purpose. UM and UIM replace the injury coverage that the at-fault party doesn't have at all (UM), or doesn't have enough of (UIM).

Lots of states require that you purchase UM. In the states where UM and UIM are not separated, that means you're paying for both whether you want to or not. In the states that do separate them but also require UM, it allows people to reduce their costs by choosing not to have UIM if they don't want it. Those are the states that I listed.

Looks like you need to add Illinois to your list.

Okay thank you very much! I need to see if it's per vehicle now. I'm curious.

I'll probably keep it. Thanks again.

I'll be sure to pass that along.

Edit: looked it up, and Illinois requires both UM and UIM coverage. Looks like you need to remove Illinois from your list, or at least specify that it requires both if you buy more than the minimum limits.

https://idoi.illinois.gov/consumers/consumerinsurance/auto-insurance-shopping-guide.html

Ok I just read the Il. law and if you buy more UM coverage than the minimum $25,000/$50,000 then UMI is required by law. Buy the minimum and it's not. Lol

You are correct.