In the state of California, you can add a special type of coverage to your auto insurance plan to protect from uninsured and underinsured motorists, called UM/UIM coverage. This kind of insurance gives you protection if you are involved in a vehicle accident where the other driver is at fault and does not have insurance, or their insurance does not cover the actual cost of the damages. This kind of insurance is not automatically included, but it is required by law to be offered by insurance companies.