Is there a difference between uninsured motorist coverage and underinsured motorist coverage?

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Technically there is a difference between uninsured motorist coverage and under-insured motorist coverage. As a practical matter, not really, but the definition of uninsured motorist coverage means you’re involved in an accident with someone, an at-fault driver, who does not have insurance. Under-insured motorist coverage covers the situation where you’re involved with an at-fault driver who does not have sufficient insurance to cover your damages. Normally, most policies categorize that type of insurance under one coverage, generally referred to as UN.

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