But what if the at-fault driver doesn’t have insurance? Almost every state requires drivers to carry liability insurance to cover any property damage or bodily injury if they cause an accident. Despite these laws, some people are driving without it. That’s where uninsured motorist coverage (UM) comes in. This coverage is designed to protect you from financial loss if you’re in an accident where the at-fault driver is uninsured. Before the coronavirus pandemic took hold, nearly 13% of drivers went uninsured. And according to a study by the Financial Responsibility and Insurance Committee of the American Association of Motor Vehicle Administrators, “among the uninsured driver group, 82% indicated they either can’t afford insurance or the vehicle is inoperable or not in use.”