Underinsured Motorist Coverage is a type of auto insurance that protects you if you're involved in an accident with a driver who has insufficient insurance to cover your damages. If the other driver is at fault and their insurance limits are lower than your expenses, this coverage helps pay for medical bills, lost wages, and other costs. This coverage is particularly important because many drivers do not carry enough insurance to fully compensate for serious accidents. By having Underinsured Motorist Coverage, you can ensure that you are financially protected, even if the other party cannot cover the damages.