Uninsured motor vehicle coverage helps protect the driver and driver’s passengers injured by another driver who has no insurance. Underinsured motor vehicle coverage helps protect when the other driver does not have enough insurance to pay all damages caused by the collision. Uninsured and underinsured coverages are important because if the driver causing the accident is uninsured or underinsured, your insurance will “step in” and pay for damages  you sustain, including lost wages and pain and