III=Insurance Information Institute. Lots of articles regarding all insurances. My Personal Finance teacher in high school, Mrs. Cohen, gave us brochures from III. The one I had explained: Basic auto coverage, No-Fault ins, Bodily injury, Medical payments, property damage liability, comprehensive physical damage, collision, AIQ (Auto Insurance Quotient), how rates are determined, Youthful drivers, Driver ed & good grades student discounts.
Underinsured Motorist Car Accident. https://www.hoffmannpersonalinjury.com/missouri-uninsured-motorist-lawyer-underinsured-motorist-attorney/ Coverage for bodily injury or death claims where the at fault driver does not have much insurance. Compensation in addition to the party's coverage. Many drivers buy State Minimum Coverage. Given this, U.I.M. coverage insures a driver and passengers for injury and death claims up to a highter limit. https://www.hoffmannpersonalinjury.com