Like an Uninsured Motorist Coverage Insurance, there is also a Underinsured Motorist Coverage Insurance. This insurance defines and covers the policy provision which includes all the damages that a driver, who has insufficient auto insurance of their own, needs to pay. In addition, the entire thing that is needed to be paid and deserves punishment for reckless driving is also covered. An Underinsured Insurance is designed to provide needs and medication for the injured party with compensation above the limit of the at fault party coverage. You can also sue the responsible person if he or she doesn’t pay, and doesn’t do his or her responsibility to you or the others. An Underinsured Insurance needs to be approved by the government so that you can use it for any accidents.