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

Well, uninsured or underinsured motorist coverage is very important in the case that you’re in an accident and the defendant that caused the accident did not have appropriate insurance, meaning not enough insurance to cover your injuries, your lost wages, your pain and suffering. What it does is underinsured or uninsured motorist coverage steps into the shoes of the coverage for the person who they did not have enough coverage. Therefore, you’re protecting yourself by getting this coverage so it’s very important when you go to your insurance agent to make sure that you have this under insured or uninsured motorist coverage to protect yourself and your family.