Individuals who are sued for damages in a personal injury case often have liability insurance.  Liability insurance is the result of a contract that is entered into between an insurance company and its insured.  In the case of underinsured and uninsured claims for bodily injury, the contract that governs the injured party's right to damages is based upon a contract between the injured party and his or her own insurance company. Complex legal issues can result from the specific language of these insurance contracts.