Motorist benefits, or UIM, help bridge the gap between what an at-fault driver’s insurance company will pay and the actual costs of your injuries. Let’s say another driver purchased the state minimum for liability coverage.
After an accident, you can file a claim for benefits with their insurer, but your recovery will be limited to their policy limits. If your injuries are severe, there’s a good chance that your medical bills alone can exceed the $25,000 ceiling on their policy.
If you added UIM to your policy, you could use those benefits to cover damages above and beyond what the at-fault driver’s insurer will pay Uninsured Motorist coverage is optional in West Virginia.