3. Thomas Lee, an insured with a $500 deductible collision coverage on his car, sustains an accident with a deer called Wild Thing while on a hunting trip to Upper Michigan. The auto suffers $600 damage. In addition to the collision coverage, Lee also has a $0 deductible on the other than collision coverage in his auto policy. Lee can recover from his insurer:

(a) $100

(b) Full loss under supplementary Payments up to $500

(c) Full loss of $600

(d) Nothing, this damage is not covered

(e) $600 less the $500 deductible under the uninsured motorist covera

1. a. $125,000 paid by UIM
2. b. $125,000 paid by UM
3. c. $200,000 paid by UIM
4. d. $200,000 paid by UIM
5. e. No coverage under UM or UIM.

5. Bill has a Personal Auto Policy with an Uninsured Motorists/Underinsured Motorists (UM/UIM) limit of $250,000 in a state where the Financial Responsibility Limit is $75,000. Bill is involved in an accident with Jane. Janes auto policy has a Bodily Injury Limit of $75,000 and she is responsible for the damage to Bill. The court awards Bill a judgment of $200,000 for bodily injuries. How much does Bill recover from his UM or UIM coverage?

a. $125,000 paid by UIM

b. $125,000 paid by UM

c. $200,000 paid by UIM

d. $200,000 paid by UIM

e. No coverage under UM or UIM