Why should I buy higher Uninsured/Underinsured Motorists limits?

This coverage extends your policy to cover you when an uninsured driver injures you or damages your vehicle, if no other coverage applies, in an automobile accident. Even though state law requires that all licensed vehicles have insurance, many drivers drive without it, so most states require that you purchase this Uninsured and Underinsured coverage. States also govern how and when this coverage applies.