Two components of underinsured motorist coverage
- Underinsured motorist property damage: Pays for covered damages to your car or other property
- Underinsured motorist bodily injury: Pays for covered medical expenses, lost wages and other damages experienced by you or your passengers
Understand your state’s laws
Underinsured motorist coverage is typically paired with uninsured motorist coverage, depending on the state you live in. If it’s sold separately, it may or may not be required in your state. Talk to your agent if you have questions.