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This coverage comes into play when an at-fault driver has auto
liability insurance, but the limit of insurance is inadequate to pay
for your damages. **
Underinsured Motorist Bodily Injury Coverage
This type of auto insurance coverage pays for your medical
expenses, lost wages, and other damages when you or your
passengers are injured in an accident caused by a driver who
has insufficient auto insurance coverage. It's available in some
states but is usually required in those states.
This kind of auto insurance coverage typically pays the
difference between the coverage limit you select and the other
driver's bodily injury coverage limit. **
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