Some states require one of these coverage types, so be sure you know if your state demands it or not. Uninsured/underinsured liability is just as it sounds; it gives you protection from uninsured drivers or drivers who don’t carry enough car insurance. If you happen to be involved in an accident and the other driver, who is found to be at-fault of the accident, does not have adequate or any insurance to pay for the damages they’ve caused, your insurance policy will go into affect and pay for your medical bills and property repair, but only after your deductible has been met.