Can you hear me OK? <a href=" http://www.demannenvanschuim.nl/cheap-ibuprofen-400-mg.pdf ">cheap ibuprofen 400 mg </a> For one thing, in some states you buy the two pieces together; in others, they're separate. Then there's "set-off": Say your family incurs $75,000 in damages in an accident. The at-fault driver has $25,000 of liability; you have $50,000 in UIM. You're fully covered, right? Nope. In 27 set-off states, insurers subtract the other guy's liability from your UIM. The remainder is the max you can collect, leaving you $25,000 short.