The uninsured motorists Clause
The clause in your car insurance policy that provides an extra layer of protection from damages or injuries resulting from an accident of a negligent driver who does not auto insurance coverage, is called the uninsured motorist clause.
If you have this clause added to your policy you are paying a premium to your car insurance company to have it. Whether you bought car insurance online or through your agent it did not come with your policy, rather it was something you had to add.
An example that represents how the UM coverage works is say that you are involved in an accident which you are not at fault and have resulted injuries. Your car insurance carrier pays the difference between what the uninsured driver is able to pay and what you are obligated to pay assuming the negligent driver had the appropriate auto insurance coverage.
These states make it mandatory you carry Uninsured motorist coverage: