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 shields drivers from financial loss due to injury sustained in accidents where the at-fault party lacks sufficient liability coverage. This protection applies when a driver or vehicle owner has liability coverage that falls short of the injured party's coverage amount.