![](https://cdn.powa.com/baderscott.com/images/wp-content/uploads/2022/07/difference-between-bi-and-um-insurance-coverage-300x200-245-critical-desktop.jpg.webp)
Bodily injury (BI) and underinsured motorist (UM) insurance can both be used to secure compensation after a car accident. These types of insurance apply differently, depending on the facts of your case. If the at-fault driver in your case carries liability insurance, BI could cover the costs of your injuries. If the at-fault driver is …