Despite all states requiring liability insurance, only a few require uninsured or underinsured protection. In theory, all drivers are required to have either liability coverage or provide proof that they will be financially responsible for accidents they cause. In reality, there will be drivers who have financial or other difficulties paying their premiums, resulting in no liability coverage. There are also other drivers who purchase the minimum insurance policy required which may not be enough money to pay for your damages. Uninsured or underinsured motorist protection can help you cover yourself in the event of an accident in which the at-fault driver has no insurance or inadequate insurance. This is often an overlooked but important part of car insurance.
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