We have previously spent considerable time, in this blog, explaining uninsured and underinsured motorist coverage. To review, uninsured motorist coverage is purchased by you from your own insurance company because it is part of your own insurance coverage. Uninsured motorist coverage protects you in the event that you are hurt as the result of the fault of an individual with no insurance whatsoever. Most importantly however, uninsured motorist coverage converts to underinsured motorist coverage which, protects you in the event that you are injured as the result of the carelessness of an individual that has less insurance than you do. Accordingly, protect yourself from the rising number of uninsured and underinsured motorists on the roadway by making sure that you have purchased uninsured motorist coverage, and that the amount of uninsured motorist coverage you have purchased is the highest amount that you can afford. This will provide you true "insurance" in the event that you or your loved one is struck and injured as a result of the fault of an uninsured or underinsured motorist.