Underinsured motorists coverage is also available, and protects you, a policyholder, against damages caused by an at-fault or underinsured driver. If the at-fault driver causes damage than the limit of his or her liability coverage, then your company will make up the difference, up and then subrogates with the negligent driver. to .Collision coverage pays to repair the policyholder's vehicle coverage, and unless replacement cost coverage is taken, the insurance company will pay only the vehicle's . Lenders and lessors typically require this One way to reduce your insurance premium is to your deductible. Comprehensive coverage pays to repair damage to an insured's vehicle caused by perils vehicle but normally does not cover collision. This part of the PAP protects the