Uninsured motorist coverage protects you and any passengers in your car directly against bodily injuries (and sometimes property damage) sustained in a car accident with an uninsured motorist. For hit and run car accidents, uninsured motorist coverage generally pays up to the limit you buy as a part of your car insurance policy. Uninsured motorist coverage makes sure that you legally obtain the proper amount of money that you are entitled to from the uninsured motorist.

Underinsured motorists coverage is similar to uninsured motorists coverage and sometimes offered together as packages. However, these two car insurance coverages should not be confused with each other. Underinsured motorists insurance pays for injuries not fully covered by the other motorist's car insurance. This policy helps to compensate you- the injured party for the difference between an injury suffered and the liability covered by the insurance of the motorist/driver who is at fault.

Although car insurance is required to drive, there are an increasing number of uninsured motorist who continue to drive without car insurace coverage. That is why there is
growing need for you to protect yourself from an uninsured or underinsured motorist.