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What is the purpose for obtaining uninsured motorist or underinsured motorist benefits?

With the increasing cost of insurance, more car owners than ever are driving without insurance. Uninsured drivers are less likely to own property worth protecting with insurance than insured drivers and property owners because they have nothing to lose in the event that their negligence should cause serious injury. Insurance provides you with protection in the event a negligent driver is either uninsured or insured for less than would legally compensate you for your injuries.

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