Underinsured Motorist Coverage
Protection when an at-fault driver has insufficient insurance to cover your damages
Detailed Explanation
This coverage activates when the at-fault driver has insurance, but their limits are too low to fully pay for your injuries or damages. It bridges the gap between their coverage and your actual costs.
Practical Example
David suffered $75,000 in medical bills after an accident, but the at-fault driver only had $25,000 in liability coverage. David's underinsured motorist coverage paid the remaining $50,000.
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