Provides coverage for bodily injury, and in some states property damage, for losses incurred by an insured when an accident is caused by a motorist who does not have sufficient insurance limits
Insurance that protects an insured and his passengers when the other driver has insurance coverage, but that coverage is inadequate to cover their injuries. See also uninsured motorists coverage.
Coverage is intended to cover you and passengers in your car for losses unpaid because sufficient bodily injury liability limits are not available from the policy of an at-fault driver. How and under what circumstances the coverage becomes operative varies in different states.