Often, yes. Personal injury protection (PIP) coverage on your own policy pays regardless of who was at fault. For underinsured motorist (UIM) coverage, your insurer generally receives credit for the at-fault driver’s liability limits, so UIM applies to damages above those limits. For example, if the at-fault driver has $30,000 in coverage, your UIM coverage would generally apply to damages above $30,000, up to your UIM limit.
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