What type of coverage provides protection in an accident caused by a driver with insufficient coverage?

Underinsured motorist coverage is designed specifically to provide protection when you are involved in an accident where the other driver does not have adequate insurance to cover the damage. This situation arises when the at-fault driver's liability limits are insufficient to pay for the injuries or damages that result from the accident.

This type of coverage ensures that you can still receive compensation for medical expenses, lost wages, and vehicle repairs even if the responsible party's insurance falls short. It acts as a safety net for drivers who want to protect themselves from financial losses in scenarios where they might otherwise be left vulnerable due to another driver's lack of sufficient coverage.

Liability coverage, on the other hand, protects you when you are at fault in an accident and pays for damages you cause to others. Collision coverage helps pay for your own vehicle's damage during an accident, regardless of who is at fault, while comprehensive coverage protects against non-collision-related damages such as theft or natural disasters. None of these options offer the specific protection intended for accidents involving underinsured drivers, which is why underinsured motorist coverage is the correct answer.