What Is The Purpose Of Obtaining Uninsured Or Underinsured Motorist Coverage?

The purpose is to protect you and your family if you’re involved in an accident with someone who has no insurance. In fact, in California, about a third of the motorists do not have insurance. That means you have a one in three chance of being involved in an accident with someone who has no insurance. So if you have no uninsured motorist, then you have no way to protect your family.