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Medical Lien Settlement Reduction Calculator
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JusticeFinder Tool
UM/UIM Coverage Gap Analyzer
When the driver who hit you has no insurance or not enough to cover your injuries, your own uninsured/underinsured motorist (UM/UIM) coverage is what stands between you and an unpaid balance. This analyzer compares your damages to the at-fault driver's limits and your UM/UIM coverage so you can see what's covered and what's still exposed.
Find your coverage gap
Enter your damages, the at-fault driver's coverage, and your own UM/UIM limit. The layered coverage bar updates live.
Estimates update live. Use reset to restore starter examples.
Potential uncovered exposure
$100,000
$50,000 of $150,000 damages covered.
How your damages are covered
At-fault liability pays$30,000
Your UM/UIM pays$20,000
Gap — potentially exposed$100,000
This models the common UIM offset rule, where your underinsured coverage tops up only the amount abovethe at-fault driver's limit. Some states instead addUIM on top, and stacking rules vary — confirm your state's approach. Calculations run in your browser; nothing is saved.
How to use this tool
- Open the calculator. Scroll to the interactive tool section and review the starter inputs already filled in as educational examples.
- Enter documented numbers. Replace sample bills, wages, rates, fault share, or care costs with values you can support with records.
- Compare the live results. Read the result cards, ranges, and formula notes. If two methods appear, treat them as a working band—not a single guaranteed number.
- Save and keep documenting. Copy or print the estimate, open a linked spreadsheet if available, then pair the output with related guides before any insurer negotiation.
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State-minimum liability limits are often far below the cost of a serious injury.
If your damages run to six figures and the driver who hit you carries a state-minimum policy — or no insurance at all — the liability coverage can be exhausted long before your bills are paid. Your own UM/UIM coverage is designed to fill that gap, which is exactly why it's worth understanding before you need it.
The analyzer shows the three layers stacked against your damages: what the at-fault driver's policy pays, what your UM/UIM adds, and what — if anything — remains exposed.
Offset versus add-on — a state-by-state difference
The same policy can be worth more or less depending on how your state treats UIM.
Under the common offset approach, your UIM pays only the portion of your coverage above the at-fault driver's limit. Under an add-on approach, your UIM sits on top of their liability coverage, which can produce a meaningfully larger recovery from the same limits.
This tool models the offset rule because it's the more common and more conservative of the two. Confirm your state's treatment — and any stacking rights — before you rely on the result.
Related Resources
Use these pages and documentation tools to validate the estimate, preserve evidence, and keep the claim file organized.
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Minimum Insurance by State
Estimate the at-fault driver's likely liability limit from your state's minimum requirements.
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Guides
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Read the long-form guides on UM/UIM, stacking, and recovering from an underinsured driver.
Spreadsheet
Insurance Claim Tracker
Track each policy, limit, and adjuster as you pursue both the at-fault and UM/UIM claims.
Frequently Asked Questions
What's the difference between UM and UIM?
Uninsured motorist (UM) coverage applies when the at-fault driver has no insurance. Underinsured motorist (UIM) coverage applies when they have some insurance, but not enough to cover your damages.
What is the UIM offset rule?
In many states, UIM only pays the amount above the at-fault driver's liability limit — so a $50,000 UIM policy against a $30,000 at-fault limit effectively adds $20,000. Some states instead add UIM on top of the liability coverage. This tool models the common offset approach.
What is stacking?
Stacking lets you combine UM/UIM limits across multiple vehicles on your policy (or multiple policies), increasing the coverage available. Whether and how you can stack depends on your state and policy.
How do I find the at-fault driver's coverage?
Their limits come out in the claim. Until then, you can estimate using your state's minimum liability requirement — the Minimum Insurance by State tool shows those figures.
Educational Use Disclaimer
This analyzer is an educational coverage model only and does not constitute legal or insurance advice. UM/UIM offset versus add-on treatment, stacking rules, and policy terms vary significantly by state and carrier. Confirm how your coverage applies with your policy, insurer, or a licensed attorney before relying on any figure.
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