In the case of a serious accident, underinsured motorist coverage will make up the difference between your losses and the coverage limit of the policy held by the driver who causes the accident. (iii.org)
Those fees are not generally part of the liability limit of the policy, which leaves the entire policy limit available to pay claims if necessary. (effectivecoverage.com)
You would be insured for the full limits of your policy for most ordinary objects, like your wardrobe. (valuepenguin.com)