Uninsured motorist coverage stands in place of the liability insurance coverage that the at-fault party did not purchase. It is one of the most important coverages to obtain as it will cover your own damages in the event the at-fault driver has no liability insurance, which unfortunately is a common occurrence. Uninsured motorist coverage may also apply if you are injured by an unidentified hit-and-run vehicle.
Under-insured motorist coverage is additional coverage available to you when the at-fault driver does not have enough liability insurance to compensate you adequately for your injuries.