What is the difference between uninsured motorist coverage and underinsured motorist coverage?
Uninsured motorist coverage is included in your own insurance policy, and pays you for your injuries if the person who causes the accident does not have insurance. Underinsured motorist coverage pays you for your injuries when the at-fault driver has insurance coverage, but not enough coverage to fully compensate you for your losses. For further information on uninsured and underinsured motorist insurance, please see my articles and FAQs on motor vehicle insurance.