Underinsured Motorist Bodily Injury Coverage protects a driver by financially compensating him for his injury in the event that he is injured in an accident by someone else who negligently caused his injuries when the driver or owner has liability coverage for his or her vehicle that is less than the amount of the victim's liability coverage.
Underinsured Motorist Bodily Injury Coverage ensures compensation for injuries incurred by drivers who are involved in accidents caused by negligent parties with insufficient liability coverage, especially if the driver or vehicle owner’s own coverage is inadequate.