Under Ins. Code, § 11580.2(f), disputes between insureds and insurers over the amount due under the uninsured or underinsured motorist coverage in an auto policy must be submitted to arbitration, which, however, is limited to the questions of whether the insured is entitled to recover damages from the uninsured or underinsured motorist and the amount of the insured’s damages.  CCP 998 applies to uninsured or underinsured motorist coverage arbitrations.  Here, the insured made a timely 998 offer which the insurer did not accept.  The arbitration award was more favorable to the insured than the offer, so she was entitled to recover her arbitration costs from the insurer.  The insured was not required to raise the costs issue before the arbitrators since costs was not an issue they were authorized to resolve.  Also, the policy didn’t preclude a shifting of costs.  It said that each party would pay the expenses it incurs in the arbitration and bear responsibility for half the arbitrator’s fees.  Those terms merely addressed initial payment of costs and fees, not later award of costs to the prevailing party.  That language also did not bar the recovery of costs during court proceedings to confirm the arbitration award, as normally required by CCP 1293.2.