Underinsured Motorist Protection protects you in a crash where the at-fault driver does not have enough coverage to pay for your costs. Excess Underinsured Motorist Protection increases your maximum benefit from $1 million to $2 million.
If you or your passengers are injured in a crash where the at-fault driver does not have enough insurance to cover your claim, Excess UMP covers you and anyone else riding in your vehicle. It covers you no matter what vehicle you are riding in, and it covers members of your household riding in any vehicle, except for ones they own.
Excess UMP also covers you and members of your household as pedestrians and cyclists if injured by an Underinsured motorist.