What is the main purpose of the SEF#44 endorsement?

The main purpose of the SEF#44 endorsement is to provide additional coverage when the at-fault party does not have adequate insurance. This endorsement is particularly important for ensuring that if you are involved in an accident with someone who has lower limits of liability than what is necessary to cover the damages you incur, your own insurance policy will come into play to fill that gap. It essentially protects drivers from the financial burden that could result if they are in an accident with an underinsured motorist, thereby enhancing their overall financial security in the event of such an incident. This additional layer of coverage is crucial for drivers, as it offers peace of mind knowing that they have a safeguard against the risks associated with uninsured or underinsured motorists.