Angie was injured when her car was struck by a driver who ran a red light.The other driver carried the minimum liability coverage necessary to be considered financially responsible.Angie's injuries were $15,000 above the minimum bodily injury limit.There is a coverage that can be added to the PAP that applies when a negligent driver carries the minimum liability insurance required by the state,but is less than the insured's actual damages for bodily injury.This coverage is called

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The coverage that applies when the negligent driver carries the minimum liability insurance required by the state but is less than the insured's actual damages for bodily injury is underinsured motorists coverage. This coverage is designed to provide additional coverage in the event that the at-fault driver's liability limits are inadequate to fully compensate the injured party. Medical payments coverage pays for medical expenses for the insured and passengers in the insured's vehicle, bodily injury liability coverage provides coverage for injuries that the insured causes others, and uninsured motorists coverage provides coverage when the at-fault driver carries no insurance. None of these coverages apply in this scenario.

Angie Was Injured When Her Car Was Struck by a Driver