Uninsured and underinsured motorist coverage is one of those things you don’t think you’ll ever need. But the streets are full of uninsured drivers! Most people who can’t afford insurance aren’t aware of the state-sponsored plans that are at their disposal. So if you or your loved ones are hurt in an accident with an uninsured driver, they won’t be able to cover your medical expenses. In that case, you’ll be glad you got uninsured and underinsured motorist coverage in your insurance plan!