When a person has an accident which is not their fault, and the other motorist does not have enough insurance to cover the damages, underinsured coverage kicks in. Once you file a claim with your provider, it will contact the other driver's insurance for payment.

What does underinsured pay for?

Underinsured motor vehicle coverage helps pay for the costs of an accident when you're not at fault, even when the driver of the other car has liability insurance, but doesn't have enough to cover the full extent of the damages caused by the accident.

What happens if I am underinsured?

If you are underinsured, your savings and future earnings could be at risk. Instead of moving on with your life after a terrifying accident, you could spend years reliving the experience as you struggle to pay for damages that weren't covered by your auto insurance.