It is naïve to think that because the law requires all drivers to be, at least, covered with a Liability car insurance policy that everyone complies. It simply is not true.

It is also not a fact that if a person has insurance the policy will be adequate to cover a serious accident. It is not unusual for multiple injuries in an accident to far exceed the limits of many insurance policies.

Uninsured Motorist or Underinsured Motorist additions on your policy will protect you in the event you (or anyone driving your vehicle) is hit be a driver that is either not insured, or is inadequately covered. This includes not only a hit-and-run accident, but also if you, as a pedestrian, are struck by a vehicle, whether the driver stops or leaves the scene of the accident.

When shopping for car insurance quotes considering this option may be a wise decision.