Uninsured motorist coverage is an available option you can choose to add under most all car insurance policies. When it is purchased as part of your policy it will provide coverage to you, the insured, for your claims of damage or injuries sustained from a car accident where the at-fault part is uninsured.

The uninsured motorist coverage will pay for medical bills and pain and suffering if you are hit by an uninsured driver. This uninsured motorist property damage coverage will pay for property damage if you are hit by an uninsured driver.

The decision to purchase uninsured motorist coverage is really up to you and your individual needs. You need to consider the different risks that you, your auto and possible passengers of the car are going to face when out on the roadways.

Uninsured motorist coverage doesn't always directly relate to "uninsured drivers." We agree that the states should enforce insurance laws, but there are situations where drivers may be driving legally, but still uninsured.

CarInsurance.com believes you should buy as much insurance as you can afford. I have uninsured motorist on my policy.