Listen close… this is the most important advice we give our clients. The single best way to protect your family from dangerous drivers before an accident occurs is to purchase as much uninsured/under-insured motorist bodily injury insurance coverage, also known as UM insurance, as you can afford. UM insurance is a contract between you and your car insurance company that protects your family against damages caused by uninsured motorists, under-insured motorists, and hit-and-run drivers.