Uninsured motorist coverage will usually reimburse you and anyone in your vehicle for any bodily injury and medical expense or death from an auto accident caused by:
1. A driver with no insurance
2. A hit-and-run driver
3. A driver of a stolen car
It does not cover property damage.
Underinsured coverage provides bodily injury coverage when the negligent driver has some insurance, but it is insufficient to cover your bills. Underinsured motorist coverage pays the balance — up to the limit on your policy.