5. Protection from Uninsured Drivers

Uninsured and underinsured motorist coverages act as critical safety nets against individuals driving without proper financial responsibility. Even with stringent laws in place, roughly 12% of motorists on American roads lack active auto insurance.

If you are injured by one of them, uninsured motorist coverage covers your resulting medical bills. Correspondingly, underinsured motorist protection activates when the guilty driver carries a policy, but their maximum payout isn't high enough to foot your total expenses.