Uninsured or Underinsured motorist coverage?

What is the purpose of obtaining uninsured or underinsured motorist coverage?

Uninsured and underinsured motorist coverage. If you’ve sustained medical expenses, or incur medical expenses, as a result of a motor vehicle accident and the other driver is either uninsured or underinsured, doesn’t carry any bodily injury coverage which would cover you for your medical expenses, the uninsured and underinsured motorist coverage aspect of your policy will actually cover your medical expenses.