Uninsured or Underinsured Motorist coverage is often referred to as UIM. It’s something that you buy yourself to be on your policy. You should always buy that, because if you don’t, you’re risking that the person who causes you harm has enough insurance coverage. Quite often, that’s not the case, especially in motorcycle collisions, where the injuries can be so profound. Protect yourself, do the responsible thing and go out and buy as much UIM insurance as you can.