Re: Uninsured/Underinsured Coverage
Your coverage would be used if the at fault party's ins. is less than yours & was not enough to cover all your damages/injuries claim (underinsured) - your ins. would pay the balance (up to your pol. limit) or if the other party had no ins. at all (uninsured), your ins. would be used up to your pol. limit.
It comes in handy when the at fault party in an accident doesn't have enough ins. to cover your claim & your underinsured coverage does or if the at fault party has no ins. or you get in a hit & run, your uninsured coverage can be used.
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