Tom from Nanticoke asks, “What are underinsurance benefits?” Simply put, it’s car insurance to protect you and your family in the event that the driver who caused the accident did not have adequate coverage. In Pennsylvania, you only have to maintain $15,000 of bodily injury protection, and in many cases, that’s just simply not enough insurance in place. The only way to provide protection to you and your family is to purchase underinsurance benefits. I would encourage you to shop for insurance prices. It can be very cost-effective to have underinsurance benefits in place and full protection if you’re injured in a car accident.