Phoenix Car Accident Lawyer, Chris Zachar of Zachar Law Firm answers your personal injury questions. Visit to live chat with our support staff 24/7, or call us directly at 602.494.4800 to schedule a FREE no obligation consultation. Get answers to your questions: There is a difference between uninsured and under-insured motorist coverage. Uninsured motorist coverage will provide you protection in the event you are in an accident and you sustain injuries and damages as the result of another driver who does not have insurance. Under-insured motorist coverage is a type of protection which will provide you protection when you are involved in an accident where the other driver does not have enough insurance coverage in order to fully compensate you for your injuries and damages.