Let’s say you get into a car accident and either you or someone in your family gets seriously injured as a result of the negligence of a driver operating a car that is insured with minimal limits of motor vehicle liability coverage.
One risk of getting into an accident with someone insured with minimal limits is that you will have access to severely limited funds. To avoid this situation, you should purchase sufficient uninsured/underinsured motorist coverage on your own policy of motor vehicle insurance.