[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.injury-attorneys.com\/underinsured-motorist-coverage-and-how-it-works\/#Article","mainEntityOfPage":"https:\/\/www.injury-attorneys.com\/underinsured-motorist-coverage-and-how-it-works\/","headline":"Underinsured Motorist Coverage and How It Works","name":"Underinsured Motorist Coverage and How It Works","description":"California law requires all motorists to carry liability insurance to pay for the injuries and property damage that result from an accident they cause. However, the state\u2019s minimum limits may not be sufficient to cover the costs of a serious collision. Underinsured motorist (UIM) coverage is designed for just these circumstances. What is Underinsured Motorist […]","datePublished":"2025-10-06","dateModified":"2025-10-06","author":{"@type":"Person","@id":"https:\/\/www.injury-attorneys.com\/blog\/author\/cw-nsethi\/#Person","name":"Nikhil Sethi","url":"https:\/\/www.injury-attorneys.com\/blog\/author\/cw-nsethi\/","identifier":16,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/7d6c9803405b66518e72343d277ffecbfe6dddefa2a2441ee4aab3687ff07e26?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/7d6c9803405b66518e72343d277ffecbfe6dddefa2a2441ee4aab3687ff07e26?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Demas Law Group, P.C.","logo":{"@type":"ImageObject","@id":"https:\/\/www.injury-attorneys.com\/wp-content\/uploads\/2022\/08\/demas-logo.png","url":"https:\/\/www.injury-attorneys.com\/wp-content\/uploads\/2022\/08\/demas-logo.png","width":158,"height":141}},"image":{"@type":"ImageObject","@id":"https:\/\/www.injury-attorneys.com\/wp-content\/uploads\/2025\/10\/Underinsured-Motorist-Coverage-and-How-It-Works-1.jpg","url":"https:\/\/www.injury-attorneys.com\/wp-content\/uploads\/2025\/10\/Underinsured-Motorist-Coverage-and-How-It-Works-1.jpg","height":600,"width":800},"url":"https:\/\/www.injury-attorneys.com\/underinsured-motorist-coverage-and-how-it-works\/"},{"@context":"https:\/\/schema.org","@type":"BreadcrumbList","@id":"https:\/\/www.injury-attorneys.com\/underinsured-motorist-coverage-and-how-it-works\/#BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Underinsured Motorist Coverage and How It Works","item":"https:\/\/www.injury-attorneys.com\/underinsured-motorist-coverage-and-how-it-works\/#breadcrumbitem"}]}]