What additional coverage could help Lance if an underinsured driver hits his van with passengers?

Choosing uninsured/underinsured motorist coverage is essential for protecting drivers like Lance when they are involved in accidents with drivers who do not have sufficient insurance to cover the damages. This type of coverage helps ensure that if another motorist hits Lance’s van and is at fault but lacks adequate insurance (underinsured), Lance can still receive monetary compensation for injuries to himself and his passengers, as well as for property damage.

Uninsured/underinsured motorist coverage is specifically designed to fill in the gaps when the responsible party either has no insurance or does not carry enough to cover the total damages incurred from the accident. In many states, including Florida, this coverage is an essential component of auto insurance policies aimed at enhancing financial protection for drivers and passengers in such situations.

In contrast, the other options would not provide the necessary coverage in the scenario described. Employee as additional insured would primarily apply to businesses and their employees, comprehensive coverage pertains to non-collision-related incidents (like theft or natural disasters), and the drive other cars endorsement offers coverage for driving cars not owned by the insured but does not address the specific issue of being hit by an underinsured driver.