Uninsured Motorist Gap Calculator
What happens when the at-fault driver carries minimum limits and your damages do not.
How this number is built
Doing it by hand
Step 1
Establish the at-fault driver's limits — many states require disclosure on request.
Step 2
Read your own declarations page for UM/UIM limits and whether stacking applies.
Step 3
Check whether your state treats UIM as excess or as an offset; the difference is large.
Step 4
Notify your own insurer early, because UIM policies carry their own notice conditions.
What people ask next
Is UIM worth buying?
It is usually one of the cheapest coverages on a policy and the one most likely to matter in a serious injury.
Does using UIM raise my premium?
A not-at-fault UIM claim generally should not, though practice varies by insurer and state.
Searches this page answers
| Related search | Goes to |
|---|---|
| uninsured motorist coverage | How to Calculate Uninsured Motorist Gap |
| underinsured motorist claim | How to Calculate Uninsured Motorist Gap |
| hit by uninsured driver | How to Calculate Uninsured Motorist Gap |
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