Covers you when you're involved in an accident with another driver who has no insurance or lacks sufficient coverage to pay for the damage he or she causes.

Though required in most states, some drivers choose to bypass the purchase of auto insurance completely. This creates hardship for both the uninsured driver and anyone he or she causes injury or loss.

Purchasing uninsured/underinsured liability coverage, an optional addition to your car insurance policy, means your insurance company will pick up the tab if you're ever harmed or injured by a less responsible driver who neglects to purchase a policy of his or her own, or one who buys too little coverage.

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