Uninsured motorist coverage is something you can buy from your insurance company to protect you in the eventuality that you are injured in an accident by a person without insurance. You can buy as little as $15,000 per person up to as much as $7 million per person. It is a relatively inexpensive form of coverage to buy and I encourage people to buy as much of it as they can afford.
If you’re injured by an uninsured driver, you’re unable to work, unable to pay your medical bills it doesn’t do you much good to get a judgment against that person because if they have no money and they file for bankruptcy, that judgment is worthless. If you have uninsured motorist coverage, you can collect from your own insurance company the amount that person would have owed you and then it’s your insurance company’s problem to see if they can collect from that person.