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

Underinsured or uninsured motorist coverage protects you and your family. If a driver causes a wreck and injures you, and your injuries exceed the value of their coverage, or the limits of their coverage, then you can tap into your own uninsured motorist coverage, and they would pay the difference. This protects you, and it doesn’t count as an at-fault on your insurance policy.