Even though having auto insurance is the law in most states, not everyone complies. That means someone with no car insurance, an "uninsured motorist," could hit you, hurt you and/or wreck your car. If it's his fault but he hasn't got any insurance, who's going to pay for the damage and cover your medical bills? Or what if he's got auto insurance, but not enough, if he's an "underinsured motorist?" Same question.

With uninsured / underinsured motorist coverage, your own policy will pick up those bills for you, your family and any other passengers in your car. The policy covers up to whatever limits you've chosen for bodily injury to you and your passengers and will fix your car up to the amount of property damage you've chosen. The legally required limits and details vary from state to state. Compare companies for the best rates on uninsured / underinsured motorist insurance.