Q:

What if the Person Who Caused the Accident Doesn’t have any Insurance or Doesn’t have enough Insurance?

A:

You can also purchase Underinsured Motorist Coverage (known as UM) and Underinsured Motorist Coverage (known as UIM) to further protect you from other drivers. There is no restriction on the maximum uninsured/underinsured motorist limits of coverage, but it cannot be greater than the amount of liability coverage that you purchase to insure yourself against your own negligence.