Many drivers believe they have full coverage but they are not insured for certain situations. There are multiple different types of insurance coverage and failing to have a certain one may limit recovery. Underinsured/uninsured motorist coverage is coverage that compensates you when you are injured by an individual who has minimal insurance or no insurance at all. Medical payment coverage, also known as Medpay, pays your medical bills from a motor vehicle accident so that these expenses are not paid out of your pocket and you can maximize your recovery. Contact your insurance company and discuss what coverage you have, when the coverage is applicable and, if necessary hire an attorney if you believe your insurance company is trying to avoid paying a valid claim.