# Property & Casualty Exam Prep 31, Uninsured and Underinsured Motorist Coverage

Page: https://stenobird.com/podcast/insurance-exam-prep-7644557/property-casualty-exam-prep-31-uninsured-and-underinsured-motorist-coverage
Text version: https://stenobird.com/podcast/insurance-exam-prep-7644557/property-casualty-exam-prep-31-uninsured-and-underinsured-motorist-coverage.md
Podcast: [Insurance Exam Prep](https://stenobird.com/podcast/insurance-exam-prep-7644557)
Published: 2026-07-03T23:26:01+00:00
Episode link: https://open-exam-prep.com/
Audio file: https://episodes.captivate.fm/episode/554c2495-842c-4951-a54d-c3d915b6ff31.mp3
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JSON: https://stenobird.com/v1/public/podcasts/insurance-exam-prep-7644557/episodes/property-casualty-exam-prep-31-uninsured-and-underinsured-motorist-coverage
Duration seconds: 229

## Resource

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Uninsured Motorist (UM) coverage applies when the at-fault driver has no insurance or is a hit-and-run driver. - Underinsured Motorist (UIM) coverage is triggered when the at-fault driver has insurance, but not enough to cover your bodily injury damages. - The primary focus of UM/UIM coverage on the exam is bodily injury (medical bills, lost wages), not property damage to your vehicle. - UM/UIM is first-party coverage that protects you, the insured, whereas liability coverage protects the at-fault driver by paying for damages to others. - A key exam trap is the UIM payout calculation; it typically pays the difference between your total damages and the at-fault driver's liability payment, up to your UIM policy limit. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep

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## Transcript

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