underinsured motorist coverage

Definition

An automobile policy option which covers one for property damage and bodily injury caused by another motorist whose coverage is insufficient to cover the damages one has suffered. This policy compensates the injured party for the difference between the injury suffered and the liability covered by the insurance of the driver at fault.

Use this term in a sentence

You may want to only get underinsured motorist coverage if you know that you will not drive much at all.

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Thanks to her underinsured motorist coverage, Stacy was able to recover fast with the proper care as the driver at fault had limited coverage.

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Lacking underinsured motorist coverage, the unfortunate driver had to pay out of pocket for most of the damage when his insurance couldn't cover the damage of the rear end collision completely.

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uninsured motorist coverage insured