How does underinsured motorist coverage work?
This is part of your uninsured motorist coverage (UM) on your policy for which you pay premiums. It is probably the least known and potentially most valuable coverage you have. If the at fault driver does not have enough insurance coverage to fully compensate you for your injuries, you can “stack” or add together your UM coverage on all your vehicles and then make a claim for uncompensated or uncovered damages against your own insurance carrier. If the accident is not your fault, your carrier cannot drop you or raise your rates.
