Insurance
Underinsured motorist coverage
Underinsured motorist coverage is part of your own auto policy that pays when an at-fault driver's insurance is insufficient to cover your injuries.
Uninsured motorist coverage does the same where the at-fault driver has no insurance at all, or in a hit-and-run.
Making this claim puts you in an adversarial position with your own insurer, which surprises people and often changes the tone and length of the negotiation.
Related terms
- Policy limits — Policy limits are the maximum amount an insurance policy will pay for a claim, and they frequently cap a claimant's practical recovery regardless of how severe the injuries are.
- Insurance adjuster — An insurance adjuster is the insurer's employee who investigates a claim, evaluates it, and negotiates settlement on the insurer's behalf.
Need the money rather than the definition?
Apply in two minutes, or call 813-798-5528 and we will explain any of this on the phone.