You might be surprised at how many uninsured drivers are out on the streets. I’ve been rear-ended twice. One of those drivers had no insurance. It’s no fun being involved in a claim and your vehicle is damaged, only to find out the responsible party has no insurance.
Uninsured Motorist coverage offers protection for you and your passengers if someone hits you (they are responsible) and there are injuries.
Ask your agent about UM coverage. It’s usually fairly reasonably priced, especially considering how many uninsured drivers roam our streets and the protection it affords you.