Reading 1
Two situations
Uninsured means the other driver has no insurance. Underinsured means the other driver has some insurance, but not enough for the loss.
Reading 2
What it may cover
- Your medical costs, within the policy’s limits.
- Sometimes damage to your own vehicle.
- Sometimes lost income.
Reading 3
State rules
States differ about whether it is required, how it is written, and how it interacts with other coverages. Ask your state insurance department.
Reading 4
Reading the policy
The coverage usually has separate limits for injury and property. Match them with what you carry for liability so you can see the pattern.
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