Of all the insurance coverages on your policy uninsured/underinsured motorist coverage is the most critical. Since vehicles can be sold without an insurance policy in place to protect those who may be injured, by such a conveyance, or insured for minimal limits and/or inadequate limits, it is vital that there be some way to assure that victims of such an event have some recourse.  These instances are when the “uninsured/underinsured motorist coverage” on your auto insurance policy comes into play.