Uninsured motorist coverage provides compensation for injuries and damages caused by an uninsured driver – someone who has no insurance at all. Uninsured drivers are less likely to own property worth protecting with insurance than insured drivers and property owners because they have nothing to lose in the event that their negligence should cause serious injury.

Underinsured motorist coverage provides compensation for injuries and damages caused by an underinsured driver – someone whose negligence causes damages in excess of their available insurance coverage."