Under-insured motorist bodily injury coverage is available in some states where it is often mandatory. It is available in Washington and as an endorsed Umbrella coverage.
This type of auto insurance coverage pays for your medical expenses, lost wage, and other damages when you, or your passengers, are injured in an accident caused by a driver who has insufficient auto coverage.
This kind of auto insurance coverage typically pays the difference between the coverage limit you select, and the other driver’s bodily injury coverage limit.
The amount covered by under-insured motorist bodily injury is capped at the limit you choose when you buy your auto insurance policy.