Uninsured/Underinsured motorist coverage is often glossed over when an agent gives a prospect a quote. In New York 1 in 5 drivers on the road do not have insurance for their vehicle. If you were in an accident with someone without insurance or if they don’t have enough liability to cover your injuries you would put a claim in with your own company instead of paying out of pocket. We like to say if you are going to pay money to cover the other person you should definitely pay money to cover yourself.