What two types of insurance should be included to ensure coverage in a collision with uninsured drivers?

Including both uninsured and underinsured motorist coverage is essential for protecting yourself in the event of a collision with drivers who lack sufficient insurance. Uninsured motorist coverage provides financial protection if you're involved in an accident with someone who does not carry insurance at all. Underinsured motorist coverage kicks in when the at-fault driver's insurance does not cover the full extent of your damages.

These two types of coverage work together to give you a safety net in situations where another driver is unable to financially compensate you for injuries or damage, ensuring that you're not left bearing the costs alone. This is particularly important in situations where medical bills and vehicle repairs can quickly exceed the coverage limits of the at-fault party's insurance.