Opinion ID: 2093625
Heading Depth: 3
Heading Rank: 2

Heading: are less than the amount needed to compensate the insured for damages.

Text: .... When Coverages 1-1 and 1-2 Do Not Apply THERE IS NO COVERAGE UNDER COVERAGES 1-1 OR 1-2: .... 8. There is no coverage until the limits of liability of all bodily injury liability bonds and policies that apply have been used up by payments of judgements [sic] or settlements,... .... Limits of Liability .... COVERAGE 1-2 .... 2. The maximum liability of the under-insured motorist coverage is the lower of: a. The amount of compensatory damages established but not recovered by any agreement, settlement, or judgement [sic] with or for the person or organization legally liable for the bodily injury, sickness, disease, or death resulting therefrom; or b. The limits of liability of the under-insured motorist coverage.