Auto insurance that covers the gap when an at-fault driver has insurance but their limits are too low to fully cover your injuries or damages. This coverage kicks in after the other driver's policy is exhausted.
Related Terms
Coverage Limit
The maximum amount an insurance company will pay for a covered loss under a policy. Limits can apply per occurrence, per person, or as an aggregate over the policy period. Choosing the right coverage limit is one of the most important decisions when buying insurance.
Bodily Injury Liability
Auto insurance coverage that pays for injuries you cause to other people in an accident where you are at fault. It covers medical bills, lost wages, pain and suffering, and legal defense costs. Most states require minimum bodily injury liability coverage.
Uninsured Motorist Coverage
Auto insurance that protects you if you are injured by a driver who has no insurance. It covers your medical expenses, lost wages, and pain and suffering. Many states require or strongly recommend this coverage since roughly 13% of drivers are uninsured.