If the insured's at-fault driver has Bodily Injury limits of 25/50 and the insured's UIM limit is 100/300, how much would UIM pay per person for BI?

• A. $75,000
• B. $25,000
• C. $100,000
• D. $0

Answer: (A)

In Wisconsin, underinsured motorist (UIM) coverage pays the portion of your bodily injury damages that the at-fault driver cannot cover, up to your own UIM limit per person. So you look at the per-person limits: the other driver’s BI limit is 25,000 and your UIM limit is 100,000. The UIM payment per person is the difference between those amounts, 100,000 minus 25,000, which equals 75,000, provided your damages are large enough to use that much of the UIM limit. If your damages were smaller, the payment would be smaller accordingly (for example, 60,000 in damages would yield 35,000 from UIM; damages at or below 25,000 would yield 0 from UIM). The per-accident limit of 300,000 isn’t needed for this per-person calculation.