Question: what is the difference between uninsured​ motorist coverage and underinsured​ motorists coverage?
Answer: Breaking Down Uninsured Motorist Coverage Variations Uninsured motorist bodily injury (UM or UMBI) — pays when an at-fault driver causes a car accident. ... Underinsured motorist property damage (UIMPD) — covers damage to your car if it's hit by someone who does not carry enough liability insurance.