First, don’t be shocked if this happens to you. The reality is that many people do drive without insurance or have let their auto insurance policies lapse. If you have an accident with an uninsured driver, you may be able to collect compensation from your own insurance policy through your under-insured or uninsured motorist (UM or UIM) coverage. But most people don’t carry nearly enough UM/UIM coverage to protect them in the event of a serious accident. If you have questions about what UM/UIM coverage levels you should carry, please call our office and we’ll be glad to help.