The underinsured motorist may be responsible for many thousands of dollars worth of medical bills and property damage beyond what their automobile insurance policy may cover.

Unless there are specific laws in your state governing this particular type of problem, you may be forced to pay for these excessive medical and property damage bills out of your own pocket. Most insurance companies offer underinsured motorist coverage. Simply put, this extends your coverage. Some states allow you to sue the other person and their insurance company if the costs rise above a certain threshold. In other states you may not be allowed to sue except in the most extreme circumstances. Many experts believe that it is important that you protect yourself from the underinsured motorist. This information is general in nature and should not substitute for the advice of an expert in the field.