Woman upset by wrecked carUninsured motorists are those who
operate their motor vehicles with no insurance coverage. Unless
you carry special insurance coverage on your own auto policy,
you're not protected from the damage caused by an uninsured
motorist. Uninsured motorist (UIM) coverage usually covers hit-
and-run accidents and underinsured motorists as well.  You Can
Buy Special Coverage  The laws in most states require insurance
companies to offer drivers UIM. If you purchase a UIM add-on to
your policy, your own insurance company will compensate you for
damages if you're in a vehicular accident that you didn't cause,
even if the other driver has little or no insurance. You don't
have to be driving when the accident occurs. UIM policies
typically cover passengers and pedestrians as well - anyone who
might be injured by a vehicle driven by an uninsured or
underinsured motorist.  Coverage May Be Limited  Most insurance
companies will not issue UIM coverage in an amount greater than
your own liability coverag