What is the purpose of obtaining uninsured or underinsured motorist coverage?

UM or uninsured or underinsured motorist coverage can be crucially important. If the driver that hits you doesn’t have insurance or doesn’t have enough insurance, the next insurance up to bat would be your own insurance, UM, uninsured motorist coverage. That is insurance that you can purchase if you choose to, to protect you from other people crashing into you.