There are many different parts of a car insurance policy. One of the cheapest is underinsured motorist coverage. This covers you if you’re injured and the responsible person does not have enough insurance. A common example is when a college student causes a car crash, but only carries the minimum amount of insurance. Many times, it won’t be enough to cover medical bills and lost wages.
So, whenever you decide what coverage is right for you, always make sure you have as much underinsured coverage as you can get (known as Part 12 Coverage). It is relatively inexpensive and can pay big dividends should you need it.