In other words, if a negligent motor vehicle operator with
50k policy liability limit rear ends a pickup truck motorist and the pickup truck driver has 50k in medical bills as well as lost wages, traumatic brain injury and pain and suffering then the injured motorist can collect the $ 25,000 policy from the tortfeasor in addition to his own $ 100,000 under - insured motorist policy for a total of $ 125,000.