         a. Our liability under the UNDERinsured Motorist Coverage cannot exceed the           limits of UNDERinsured Motorist Coverage stated in this policy, and the most           we will pay will be the lesser of:                0. The difference between the amounts of an insured person's damages                  for bodily injury, and the amount paid to the Insured person by or for                  any person or organization who is or may be held legally liable for the                  bodily injury; or                0. The limits of liability of this coverage.  