Uninsured motorist coverage provides a safety net in case you're in an accident with a driver who doesn't have insurance, and underinsured motorist coverage offers the same protection against drivers who don’t have enough insurance.
Many states require uninsured or underinsured motorist coverage, so check requirements in your area. Even if these policies aren't a requirement for you, having this type of policy offers significant protection from the unexpected. If you’re concerned about high medical costs or driving an expensive vehicle, it's even more likely to be worth it.