Uninsured motorist coverage, or UM coverage, is not required in every state. Even while your state may not mandate UM coverage, driving without it carries a significant risk. The Insurance Information Institute reports that 13% or so of drivers nationwide do not have auto insurance. In certain states, more than 20% of drivers lack insurance.

If you are involved in a collision with an uninsured or underinsured driver and you are hurt, you may have to pay for your own medical expenses and vehicle repairs if you do not have uninsured motorist coverage. You might have a high collision deductible or insufficient medical payments or personal injury protection to cover injuries to you or your passengers, even if you submit a claim under your own policy.