What does underinsured motorist coverage pay for?

Underinsured motorist (UIM) coverage in Colorado pays for bodily injury damages when the at-fault driver's insurance isn't enough. This includes medical expenses, lost wages, pain and suffering, and other injury-related losses—the same types of damages you could recover from the at-fault driver's policy. UIM coverage does not typically cover property damage to your vehicle; you'll need collision coverage for that. UIM benefits are tied to you personally, not your vehicle, meaning you're covered whether you're driving your car, riding in someone else's vehicle, or even walking as a pedestrian.