Lance runs a staffing service in which his main job is transporting workers to and from various jobsites. His van can carry up to 12 people at a time, and he is worried about getting hit by a driver who does not have enough liability insurance to cover all of his passengers. Which additional coverage could help pay for injuries to his passengers if this were to happen

Uninsured and Underinsured motorist coverage will help Lance pay for injuries to his passengers should he be hit by a driver that has no car insurance or an insufficient liability insurance.

Strictly speaking, Underinsured Motorist coverage is the right coverage to get as it deals with situations where the offending driver has insufficient liability coverage while uninsured is motorist coverage is when the offending driver has no liability coverage at all.

Uninsured and underinsured are bundled together in a lot of states however so Lance can either get both or just Underinsured coverage if he can.