Compton Law has handled many automobile accidents and the vast majority of those did not have adequate coverage in place to totally compensate for the injuries sustained. Even worse, should you get into an accident with someone who is driving without insurance and you failed to purchase UM coverage, you would probably only receive a very small amount under the medical payments protection of your insurance policy. UM insurance is a necessity and something you do not want to be caught without.
It's usually relatively cheap to add uninsured/underinsured motorist protection to your car insurance policy, especially considering the amount of protection it offers. It could pay your medical bills, lost wages, and pain and suffering.