What is the purpose of obtaining uninsured or underinsured motorist coverage?

The purpose of under-insured or uninsured motorists, which we lawyers call UM, is to protect you and your family in the event that somebody causes a collision and injures you or your family, and they don’t have insurance. In the Jacksonville area, about 25 to 30 percent of the people driving cars have no liability insurance. If one of those people injures you or your family, and you have UM coverage, than you can collect from your own insurance company.