been there done that. UM protected us in a couple of accidents over the years. One car-car accident for uninsured driver. the other car-bike accident where car driver hit me and left scene and driver was not found. Both times I am glad UM was there. YMMV. I live in Georgia have very good USAA insurance. After the car-car accident we went with umbrella policy for the extra coverage the guy tried to sue us for a million. If you are eligible (military connection) USAA is amazing.