1. Many people are underinsured and may struggle to cover the costs of a major accident or illness.

许多人的保险赔偿不足，可能很难支付重大事故或疾病的费用。

2. Being underinsured can leave you vulnerable to financial hardship in the event of a catastrophic event.

保险赔偿不足会导致您在发生灾难性事件时面临财务困境。