Many motorists carry only the minimum motor vehicle liability limits coverage: 20/40/10. This type of coverage means that there is $20,000 in insurance coverage for each individual who is injured; up to $40,000 if more than one person is injured (but in event no more than $20,000 to any one person); and, $10,000 for personal property loss (e.g. your car). For a relatively low premium, a person can purchase additional coverage from their own insurance company which is called underinsured motorist coverage. This type of coverage will kick in after the wrongdoer's insurance limits have been exhausted and provide compensation for the excess of injuries, up to the amount of additional coverage purchased.