What if the driver that hit me was under-insured?

If the at-fault driver did not have enough insurance to compensate you for all of your damages, your under-insured motorist insurance coverage will cover the shortfall. For example, if your injuries were serious and your damages were valued at $500,000, but the at-fault driver only had $100,000 in insurance, you would lose $400,000. If you had purchased under-insured motorist coverage, you would be protected up to the amount of coverage you buy. In this example, if you had bought $500,000 in coverage, your insurance would cover the shortfall up to $500,000.