With the internet, a lot of people are purchasing their insurance online. When they do so, they tend to be shortsighted, purchasing the cheapest insurance that they can obtain, that is the minimum limits required by law. Now, that's okay until such time as they or a family member has a serious motor vehicle accident. They may be facing an extended time of rehabilitation, extensive medical expenses, inability to work, and all of a sudden they find out that the other driver does not have enough insurance to pay for their damages. Now, the remedy for that is uninsured motorist coverage. That is coverage that you have that pays for your damages caused by somebody else who does not have enough insurance to pay for your claim. It's best to see an attorney to review your policy to determine what's good for you and your family.