Accidents involving drivers with little or no insurance are common. Victims of these accidents are often shocked to learn they will recover little, if any, money for their injuries. To help prevent this tragic situation from happening to you, carry an adequate amount of uninsured and underinsured motorist insurance. Here�s a brief explanation of each.

Uninsured motorist insurance. This protects you in case of an accident with a driver who has insurance or is a hit-and-run driver. It lets you collect money form your own insurance company for your injuries and losses.

Underinsured motorist insurance. This helps pay for your injuries and losses if the other driver does not have enough insurance to pay for all your damages.

You should review your auto insurance policies and make sure you have enough of these types of insurance.

They are usually inexpensive and can make the difference between recovering money for all of your losses in the event you are in accident with an uninsured or underinsured driver.