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In some states, underinsured and uninsured motorist bodily injury coverage are a bundled service. This type of dual-coverage may be mandatory in your state. Underinsured/Uninsured motorist bodily injury coverage pays for medical expenses, lost wage and other damages when you are in an accident caused by a driver who doesn't have enough car insurance or who completely lacks auto insurance coverage. One of the other benefits of this dual coverage is that it pays for injuries that are sustained during a hit and run accident. When you obtain an underinsured/uninsured motorist bodily injury policy you determine the limit for coverage.