Underinsured Motorist Coverage
Personal Injury FAQ Video Transcription
There is a concept called underinsured motorists, which is where one party has insurance, but not enough to cover the damages acquired. The minimum limits they write in Mississippi is $25,000, so say that someone who hits you has a minimum limits policy, and you have $50,000 or $75,000 worth of damages. You are only going to get $25,000 unless you have uninsured motorists coverage that is greater than his or her insurance. Then it becomes underinsured motorist. You can collect from both your policy and his or her policy, which is very important.