Uninsured Motorist
This coverage pays for both personal medical bills as well as repair costs that you incur as a result of an accident in the event that the person at fault was illegally driving without the State Minimum Liability Insurance. This also applies a hit-and-run accident. The limits for this coverage are expressed in the same three number format as the liability section, and cannot exceed the limits of your own Liability Coverage.
Underinsured Protection
Often, the Liability limits carried by other drivers falls far short of fully reimbursing you for your loss. Underinsured motorists coverage fills this gap. In general, underinsured motorists coverage pays the difference between your actual damages and the amount of liability insurance carried by the driver who was at fault, up to the limit specified in the policy.