Underinsured motorist coverage applies when a negligent driver has liability limits at the time of an accident but the liability limits carried may be insufficient to pay for damages for which the negligent driver is responsible. This is when the insured's underinsured motorist coverage would apply and payment for the difference could be made. The two coverages are mutually exclusive and do not overlap or duplicate each other. An insured can collect under one coverage or the other but not under both. Back to list of terms.
Some states offer coverage for property damage as part of the uninsured motorist coverage.
Usually when property damage is added, a deductible would apply. Back to list of terms. Use the Interactive On-Line Form for Fast, Convenient Information or Service. Complete as much or as little of the form as you wish. If you haven't already, please take a minute to complete the Interactive Form .