There is an inexpensive and, in our opinion, absolutely essential type of insurance available to protect you and your family from this type of situation. It is called underinsured motorist coverage. This is insurance that you maintain as part of your own automobile policy. If you, or an occupant of your car, is injured by an underinsured driver, then your own insurance company steps in and pays the balance of your damages up to the limits of your underinsured coverage. It is important to understand that underinsured coverage is an option that you must select and pay an extra small premium for when you purchase your automobile insurance.
Underinsured coverage is sold by most major insurance companies and it is a bargain.
It is protection for you and your family, and it is relatively inexpensive when it is compared to the amount of the premium you are paying for liability coverage.