Uninsured/underinsured motorist insurance can help pay for damages and medical costs resulting from an accident caused by someone who has no insurance or inadequate insurance coverage. In some states, it may be offered as a combined coverage, while in other states it may be offered as two separate coverages (one for uninsured and another for underinsured motorists). Coverage can extend to you and your family members who live with you. As a pedestrian, if you are hit by an uninsured driver, you can be covered. Uninsured/underinsured coverage is required in some states. Consider your risk tolerance and financial circumstances when choosing the level of protection that's right for you and your family, then discuss your uninsured/underinsured motorist coverage needs and policy limits with your local independent agent or Travelers representative.