GET FULL COMPENSATION FOR YOUR INJURY
The best protection against a driver who causes an accident and injures you and/or your family member and is underinsured or worse uninsured, is to obtain adequate coverage yourself. When a driver is underinsured or not insured and you seek to recover money for compensation and recovery of your medical bills that driver's insurance company will not have enough money to cover your loss. Uninsured/Undersinsured motorist coverage will protect you if you’re injured in an accident with an at-fault, uninsured driver. Your insurance will be able to cover the costs of your injuries up to the policy limits you select.
I get so many clients who have large medical expenses and severe injuries and the at fault driver either does not have insurance or has minimum coverage. If those clients had obtained underinsured/uninsured coverage on their own auto policy with larger limits they would be able to recover more compensation for their injury. Protect yourself.