Uninsured motorist coverage can help pay for damages caused by a driver who doesn’t have car insurance. Underinsured motorist coverage can help pay for damages caused by a driver who doesn’t have enough coverage to pay the car accident’s full expenses.
There are two main kinds of uninsured and underinsured motorist coverage: bodily injury coverage and property damage coverage.
Uninsured motorist bodily injury coverage (UMBI). This coverage can pay for medical bills and lost wages related to injuries caused by an uninsured driver.
Uninsured motorist property damage coverage (UMPD). If you get into a car accident with an uninsured driver, this coverage can pay for the costs of repairing your car.
Underinsured motorist injury coverage (UIMBI). This coverage can pay for remaining medical bills and lost wages related to injuries caused by an underinsured driver up to your UIMBI policy limits.
Underinsured motorist property damage coverage (UIMPD). If you get into a car accident with an underinsured driver, this coverage can pay for  the remaining costs of repairing your car up to your UIMPD policy limits.