In Coots v. Allstate Insurance Co., Ky., 853 S.W.2d 895 (1993), the Kentucky Supreme Court specifically noted as follows: UIM coverage serves the same purpose and follows the same pattern as UM coverage. While the wording of the UIM statute is different from that of the UM statute, we can discern no fundamentally different insurance arrangement from that provided for under the UM statute. . . . . Indeed, UM coverage and UIM coverage are treated coextensively in many standard insurance policies, and in some cases are offered as a combined coverage. 853 S.W.2d at 898-899. Furthermore, "underinsured and uninsured carriers should be treated similarly, as their purpose and the intent of their coverage is similar." Id. at 903.