Uninsured and underinsured (UM/ UIM) motorist provisions are additional coverage Nevada drivers can add to their existing policy. They are not mandated, but in Nevada the two are offered simultaneously instead of separately. Essentially, they help to cover your expenses if the liable driver has little to no insurance coverage themselves. In the event that you are injured by someone with no insurance at all, your own uninsured motorist coverage will typically help pay for the injured driver’s medical costs, property damages, and lost wages resulting from an accident. Conversely, some motorists do have insurance coverage, but their policy is not nearly enough to cover your expenses. This would be an example of an underinsured motorist accident, and In such a case, your UIM coverage would supplement any gaps that may exist between the liable driver’s policy limits and your full damages. Keep in mind, however, that UM/ UIM coverages are not required, so they can only be used by those who have these coverages in their policy. One thing to remember is that UM/ UIM provisions are not usually specific to certain vehicles, so you may also have coverage if you are injured while riding as a passenger in a cab, bus, or another driver’s vehicle.