         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.  