What coverage applies when the insured is injured by another driver with less coverage than the injuries sustained?

Underinsured motorist coverage is specifically designed to protect insured individuals in situations where they are injured in an accident caused by another driver whose insurance limits are insufficient to cover the damages incurred. This type of coverage steps in to fill the gap between the injured party's own policy limits and the at-fault driver's lower coverage limits, ensuring that the insured can receive compensation for their medical expenses, lost wages, and other damages.

For instance, if an individual sustains significant injuries resulting in high medical costs, but the at-fault driver only has minimal liability coverage that does not fully address the expenses, the underinsured motorist coverage would activate, allowing the insured to claim additional compensation up to their own policy limits.

In contrast, other options such as liability coverage pertain to the responsibility of the insured when they are at fault, while personal injury protection offers limited benefits primarily for medical expenses regardless of fault. Bodily injury liability coverage deals with the protection against claims made by others for injuries that the insured causes, not for their own injuries caused by an underinsured driver. Therefore, underinsured motorist coverage is the appropriate answer for this situation.