Underinsured Motorist Conversion Coverage
This is extra insurance that covers costs that are higher than what the at-fault driver's insurance pays. Payments from any other source do not decrease this optional coverage.
Here's an example. Your uninsured/underinsured coverage is $300,000, and you suffer $400,000 in personal injury damages caused by another driver. The driver only has $200,000 in bodily injury liability insurance. With standard coverage, you can only collect $200,000 from the other driver's insurance plus $100,000 from your own underinsured coverage due to your $300,000 limit. If you had conversion coverage, you could get $200,000 from your underinsured policy to cover the $400,000 total.