Why do I need Underinsured Motorist coverage?

Despite mandatory insurance laws in most states, approximately one in six drivers across the United States may be driving uninsured, according to a recent study from the Insurance Research Council. Underinsured Motorist provides coverage to you and your passengers for bodily injury and property damage caused by an uninsured (a person who does not have insurance) or underinsured motorist (a person who does not have enough coverage to compensate you for your damages).