When it comes to auto insurance, there are a lot of coverage options to choose from. One often overlooked but critical option is Uninsured/Underinsured Motorist (UM/UIM) Coverage. While not required in all states, this coverage can be an absolute lifesaver if you're ever involved in an accident with a driver who doesn't have enough insurance—or any insurance at all. But is it really worth the extra cost? Let’s dive into what this coverage is, why you might need it, and how it can save you from financial disaster.