Underinsured Motorist Coverage
A type of insurance coverage that can be purchased separately from the common personal injury protection (PIP) or bodily injury liability insurance coverage. Underinsured motorist insurance will help provide a victim of a motor vehicle accident more payment of medical bills if the at-fault party’s liability insurance does not cover the remainder of the bills. This takes effect after the injured party’s PIP and excess medical payment coverage is exhausted and after the at-fault party’s liability coverage is exhausted (used up entirely).
To learn more about how your insurance coverage works when in an accident, please visit the Who Pays My Medical Bills and Lost Wages page.