[¶ 7] Neither argument prevails. Whether insurance coverage is available through coverage of the vehicle, the owner, or the driver is immaterial. If the result is insurance coverage for the damage done by the vehicle driven by the tortfeasor, the amount of that coverage must be used in the calculus of determining whether the vehicle is underinsured. See Levine v. State Farm Mut. Auto. Ins. Co., 2004 ME 33, ¶ 11, 843 A.2d 24, 28 (stating that underinsured vehicle coverage “is in the nature of gap coverage”). When multiple policies provide liability coverage for the accident involving the vehicle at issue, the limits of those policies are to be aggregated for comparison against the underin-sured- vehicle policy limits. See McGillivray v. Royal Ins. Co., 675 A.2d 524, 526 (Me.1996) (<HOLDING>); Mullen v. Liberty Mut. Ins. Co., 589 A.2d
holding automobile exeeption did not apply to warrantless search of vehicle where vehicle was not readily mobile because the vehicle was legally parked in parking lot occupants of vehicle were seated on a bench in the playground near the parking lot police officers surrounded the vehicle and the driver of the vehicle was handcuffed for safety purposes holding that policies must be aggregated to determine underinsured status holding that the insurance applicable to the tortfeasors vehicle must be compared to the underinsured vehicle policy limits to determine whether a vehicle is underinsured holding that under the plain and obvious meaning of the uim statute a prerequisite to the term underinsured motor vehicle is the existence of  bodily injury liability insurance coverage which is less than the liability for damages imposed by law  and where no such coverage existed tortfeasor was not underinsured under the statute but rather uninsured concluding that terms underinsured and uninsured are mutually exclusive as applied to the same motor vehicle and the combination of these two coverages by the insured was contrary to legislative intent holding that the amount of coverage determines whether a vehicle is underinsured