What are ‘uninsured motorists’ insurance and ‘underinsured motorists’ insurance?

Uninsured Motorists insurance and Underinsured Motorists insurance vary by state and are sometimes optional. Uninsured Motorists insurance pays for injury to you, family members, and passengers in your car caused by an at-fault driver who does not have insurance. Underinsured Motorists insurance provides protection similar to Uninsured Motorists coverage, but applies only when the at-fault driver¹s insurance policy does not provide sufficient coverage to pay the claim. ... more