{"id":353120,"date":"2017-01-26T13:59:37","date_gmt":"2017-01-26T18:59:37","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/injury\/car-accidents\/underinsured-motorist-property-damage-coverage-and-claims.html"},"modified":"2025-05-05T12:43:52","modified_gmt":"2025-05-05T17:43:52","slug":"underinsured-motorist-property-damage-coverage-and-claims","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/injury\/car-accidents\/underinsured-motorist-property-damage-coverage-and-claims.html","title":{"rendered":"Underinsured Motorist Property Damage Coverage and Claims"},"content":{"rendered":"\n
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Underinsured Motorist Property Damage Coverage and Claims<\/h1>\n
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\n By Lark Lewis, J.D.<\/a> | Legally reviewed by Katrina Wilson, Esq.<\/a>\n | Last updated\n
\n \n <\/i>\n Legally Reviewed\n <\/summary>\n\n
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This article has been written and reviewed for legal accuracy, clarity, and style by FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with our editorial standards<\/a>.<\/em><\/p>\n\n <\/div>\n <\/details>\n\n

\n \n <\/i>\n Fact-Checked\n <\/summary>\n\n
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The last updated date refers to the last time this article was reviewed by FindLaw or one of our contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please contact an attorney in your area<\/a>.<\/em><\/p>\n\n <\/div>\n <\/details>\n<\/section>\n

Underinsured motorist coverage bridges the divide between your actual auto accident injury-related losses and the maximum amount of the at-fault driver’s liability insurance coverage.<\/blockquote>\r\n

Imagine a careless motorist rear-ends you. After checking the damage and exchanging information<\/a> with the other driver, you call your insurer to make a claim. But you discover that the other driver doesn’t have adequate auto insurance<\/a>. Here, having underinsured motorist insurance is beneficial. It can help cover your losses.<\/p>\r\n

This article discusses what underinsured motorist insurance covers, how coverage works, and how to pursue a claim for this type of damage.<\/p>\r\n

What Is Underinsured Motorist Insurance?<\/h2>\r\n

The terms "underinsured" and "uninsured" are often used interchangeably in the context of insurance coverage. In many cases, they’re the same thing. But uninsured motorist insurance, whether in the form of uninsured motorist bodily injury or property damage, generally pertains to accidents in which the at-fault driver has no car insurance and is an uninsured driver.<\/p>\r\n

In some states, underinsured motorist coverage is limited to:<\/p>\r\n