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Most states require that motorists be covered by uninsured and underinsured motorist coverage. However, before you accept this type of coverage you need to be away of your state's specific requirements. Each state has different rules about how uninsured and underinsured motorist coverage will work. Some states allow you to add on the full policy limit to another person's insurance. Other states have a rule that requires the subtraction of the other person's limit from your underinsured motorist claim. There are also differences in how uninsured/underinsured motorist claims can be made. In some states, these claims need to be made in court and other states allow the issues to be resolved through arbitration.