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Is there a difference between uninsured motorist coverage and underinsured motorist coverage?

Frequently Asked Question Video for Wisconsin Personal Injury

There are several types of first party coverage in Wisconsin. Those are coverage that you have under your own insurance policy. The two main types of first party coverage are uninsured motorist coverage and underinsured motorist coverage. The difference between uninsured motorist coverage and underinsured motorist coverage is that uninsured means that the other driver had no insurance whatsoever and your ability to recover for your damages is based on how much uninsured motorist coverage you have. Underinsured motorist coverage means that the other driver had some insurance but not enough to cover your damages, thus if you have underinsured motorist coverage you can recover additional damages from your own policy.

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