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The laws in every state mandates that all drivers vehicles are insured. Sometimes this is not the case. If you're in an accident and the other driver's at fault, that driver's liability insurance usually covers the damage to your car. Some states have a low case of minimum coverage requirements, which may not be enough to cover all the expenses of an accident. 

If the other driver's insurance policy doesn't have enough to cover the total amount of damage done in the accident. Uninsured and Underinsured Motorist Insurance would kick in and help with the expenses. This type of insurance is an inexpensive insurance policy to add, especially with the amount of extra protection it provides. Check with an agent for more details.

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