Will underinsured motorist coverage cover my sister's medical bills?

My sister was injured in an accident and she needed surgery. Her bodily injury coverage is $50,000/$100,000 and her underinsured motorist coverage is $25,000. The other driver only had bodily injury coverage of $15,000. What part of her policy will cover the remaining balance of her medical bills?

Answer
“When you’re in an accident with a driver who is underinsured, your underinsured motorist coverage will cover any remaining medical bills or damages.
Bodily injury liability only applies when you are at fault in an accident and the other driver is injured. This is why the other driver’s insurance paid out their limit of $15,000 to cover your sister’s medical expenses.
Since your sister’s underinsured motorist coverage is $25,000, that is the amount her insurance will cover. If any expenses exceed that limit, she will have to pay out of pocket for them. “
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Emily Maracle
Answered on May 10, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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