Uninsured motor coverage, or underinsured motor coverage is very important for everyone to carry. The legislature that designed this scheme to compensate for the majority of drivers that don’t have insurance even though it is required by state law. If you have a serious injury and there is no liability coverage, you could be in a serious position to do harm to yourself and your family. The uninsured motorist coverage gives you an extra area of protection if you were to be hit or injured by an uninsured motorist. Additionally If you have significant medical bills and someone is only carrying the state minimum, an uninsured motorist can get stacked on top of that. State minimum can make sure that you don’t get stuck with the medical bills. If you have any questions call the Spurgeon law firm.