There are several  different types of automobile insurance coverage that provide protection for different scenarios — liability coverage for accidents that you cause or contribute to, medical payments coverage that provides for medical bills, and property damage reimbursement, which replaces or repairs your damaged automobile, to name just a few.

But the most important automobile coverages are underinsured and uninsured motorist coverage. Underinsured motorist coverage means that your automobile insurance carrier will provide benefits if you are involved in an accident which is the other driver’s fault, but the other driver lacks enough insurance to cover your losses. This underinsured motorist coverage will provide not only medical expense reimbursement, but pain and suffering damages coverage, if the other driver’s policy lacks sufficient coverage.

Uninsured motorist coverage goes one step further– it provides benefits from your automobile insurance carrier if the other driver, who was at fault, lacks insurance coverage completely. Uninsured motorist coverage will not only provide medical expense reimbursement and property damage coverage, but pain and suffering coverage for your injuries.
The procedure for obtaining benefits under  your underinsured or uninsured motorist coverage is to demand benefits from your automobile insurance carrier, once you realize that the person that caused the accident lacks enough insurance.  It is advised to retain an attorney experienced with making these underinsured and uninsured motorist coverage claims from automobile insurance carriers, to insure that you obtain all the benefits that you are entitled to.