motorist bodily injury comes into play is when, okay, say for example you're driving a vehicle and I was the one that that hit you and I didn't have enough insurance to cover the damages that I've done to your vehicle. Now if you had the underinsured motorist coverage then the difference between what I didn't have with my policy to cover what the damages I've done to your car would be what you would what you'd be entitled to. Let's just say it's the difference between me not having enough to cover what I've done to you in order to help you with with what I've done.