What does “Underinsurance Coverage” mean?

If the person who causes an injury to you is either uninsured or is unknown to you (such as a hit and run driver), uninsurance coverage makes sure you will be compensated for your injury. You may have this kind of coverage included in your own automobile insurance policy. We strongly suggest you purchase this coverage to protect yourself.

The best way to describe this is to give you an example. For instance, suppose you have an injury worth 100,000 dollars. But the driver who is responsible for your injury only has 15,000 dollars worth of liability insurance. If you have 100,000 dollars in underinsurance coverage, your insurance company will pay you the difference. In short, your insurance company will make up the 85,000-dollar difference. Please consult with a qualified attorney to determine if these benefits are available under your policy. You will not receive these benefits unless the terms of your insurance policy are complied with before settling with the underinsured driver.