I’m sure you’re not one of them, but unfortunately, there are plenty of drivers out there who hit the highways without any liability insurance. Although it varies from state to state, across the country, if someone is injured in an auto accident, the chances are about one in seven that the at-fault driver is uninsured. (Insurance Research Council study, 2006)  Should you be injured in a car crash with an uninsured, at-fault driver, you can receive compensation for your injury-related expenses from your own insurance policy if your policy provides you with Uninsured Motorist (UM) coverage.  Some policies also offer Underinsured Motorist coverage, (UIM), in case you are hit by a driver who has liability insurance, but does not carry sufficient limits to cover all of your damages.