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Underinsured Motorist Endorsement

What is 'Underinsured Motorist Endorsement'

An added provision or attachment to an automobile insurance policy that provides insurance coverage to the policyholder and his or her passengers in the event of an accident caused by a driver who does not have sufficient coverage. The underinsured motorist endorsement covers bodily injury to the policyholder, insured members of the holder's household and passengers, and may also cover property damage. The endorsement typically pays the difference between what the other driver's insurance covers and what the underinsured motorist coverage will pay, subject to the maximum limit of the coverage.

Explaining 'Underinsured Motorist Endorsement'

For example, consider a situation where a driver A only has $100,000 of insurance coverage. This driver A gets in an accident with a underinsured motorist policyholder (driver B) where driver A is at fault. The insurance claim amount is $175,000, so driver A's insurance only covers $100,000 of that. The underinsured motorist endorsement would pay the policyholder (driver B) the difference of $75,000 less deductibles.


Further Reading


Insurance against Lack of Insurance--A Dissent from the Uninsured Motorist Endorsement
heinonline.org [PDF]
… m George, Insuring Injuries Caused -by Uninsured Motorists … a "'nominal defendant" scheme -for the compensation of those who had voluntarily obtained Endorsement coverage … again proposed the "voluntary Endorsement" as the answer to the uninsured motorist problem …

The Uncompensated Automobile Accident VictimThe Uncompensated Automobile Accident Victim
heinonline.org [PDF]
… m George, Insuring Injuries Caused -by Uninsured Motorists … a "'nominal defendant" scheme -for the compensation of those who had voluntarily obtained Endorsement coverage … again proposed the "voluntary Endorsement" as the answer to the uninsured motorist problem …

… on cardiovascular catheterization laboratory economics: If the cath lab is your home you should understand its finances: This statement was endorsed by the Alliance …… on cardiovascular catheterization laboratory economics: If the cath lab is your home you should understand its finances: This statement was endorsed by the Alliance …
onlinelibrary.wiley.com [PDF]
… m George, Insuring Injuries Caused -by Uninsured Motorists … a "'nominal defendant" scheme -for the compensation of those who had voluntarily obtained Endorsement coverage … again proposed the "voluntary Endorsement" as the answer to the uninsured motorist problem …

Perspectives on Uninsured Motorist CoveragePerspectives on Uninsured Motorist Coverage
heinonline.org [PDF]
… m George, Insuring Injuries Caused -by Uninsured Motorists … a "'nominal defendant" scheme -for the compensation of those who had voluntarily obtained Endorsement coverage … again proposed the "voluntary Endorsement" as the answer to the uninsured motorist problem …

The Uninsured Motorist Statute and The Phantom Vehicle: A View From the SouthwestThe Uninsured Motorist Statute and The Phantom Vehicle: A View From the Southwest
heinonline.org [PDF]
… m George, Insuring Injuries Caused -by Uninsured Motorists … a "'nominal defendant" scheme -for the compensation of those who had voluntarily obtained Endorsement coverage … again proposed the "voluntary Endorsement" as the answer to the uninsured motorist problem …

Insuring Injuries Caused by Uninsured MotoristsInsuring Injuries Caused by Uninsured Motorists
heinonline.org [PDF]
… m George, Insuring Injuries Caused -by Uninsured Motorists … a "'nominal defendant" scheme -for the compensation of those who had voluntarily obtained Endorsement coverage … again proposed the "voluntary Endorsement" as the answer to the uninsured motorist problem …

Insurance Premium FinancingInsurance Premium Financing
heinonline.org [PDF]
… m George, Insuring Injuries Caused -by Uninsured Motorists … a "'nominal defendant" scheme -for the compensation of those who had voluntarily obtained Endorsement coverage … again proposed the "voluntary Endorsement" as the answer to the uninsured motorist problem …


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