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Some estimates are that as much as 25% of the cars on the road are uninsured. Even more have either no liability coverage or woefully low liability coverage limits of $ 10,000. This means that if you are injured in an accident that is not your fault, there could be a 50% chance or more that the driver at fault won’t have the money or coverage to pay for your wage loss, medical bills, or disabilities and injuries caused by their inattention. What do you do to protect yourself? Make sure you automobile insurance coverage includes uninsured and underinsured motorist coverage. UM and UIM coverages are designed to protect against these uninsured and underinsured drivers. Don’t assume everyone has automobile insurance. They don’t. Protect yourself. Call your company or your agent and check your policy. If you don’t have UM and UIM coverage, buy it. If you have questions about the various types of UM and UIM coverage, call us with any questions.