What is the difference between Uninsured Motorists-Bodily Injury and Underinsured Motorists - Bodily Injury?

An uninsured motorist is one that does not carry insurance.

An underinsured motorist is one that does not carry enough insurance.

Uninsured/Underinsured Motorist Bodily injury coverage provides that if you suffer bodily injury, sickness, disease, or death resulting from an accident with a hit-and-run driver or a person who does not carry liability insurance (uninsured), or does not carry sufficient limits of liability insurance (underinsured), and if that person is at fault, you may make a claim against your own insurance company for damages rather than against the uninsured/underinsured motorist.