What type of coverage can help pay for injuries to passengers in Lance's van if an underinsured driver hits them?

Uninsured/Underinsured motorist coverage is specifically designed to protect drivers and their passengers in the event that they are involved in an accident caused by a driver who either does not have insurance or does not have sufficient insurance to cover the damages. In the scenario where an underinsured driver hits Lance's van and injures the passengers, this type of coverage would come into play.

This coverage steps in when the insurance of the at-fault driver cannot fully cover the medical expenses or other damages incurred by the injured parties. It is a critical safety net that ensures that passengers and drivers are not left with substantial financial burdens when faced with an accident involving an underinsured individual.

Other types of coverage mentioned do not specifically address the needs presented in this scenario: comprehensive coverage typically covers non-collision incidents like theft or natural disasters, collision coverage specifically covers damage to one's own vehicle due to an accident, and personal injury protection generally provides medical expenses for injuries regardless of fault, but it is not as comprehensive for addressing deficits caused by underinsured drivers as the uninsured/underinsured motorist coverage.