Check your policy. You should have what is called uninsured (UM) and underinsured (UIM) coverage. You should be sure to carry the same limits for UM and UIM as your liability limits. This coverage is imperative since so many drivers fail to carry insurance or enough insurance. The greater liability limits you have will allow you to protect yourself with greater UM/UIM limits. Please refer to the Uninsured/Underinsured Motorist Benefits Legal Guide for more information.