What is the purpose for obtaining uninsured motorist or underinsured motorist benefits?

The purpose of obtaining uninsured or underinsured motorists benefits is to protect you. In the event that you’re injured through the negligence of someone who does not have insurance or is underinsured, it’s very important to have this type of coverage. In particular, it’s important to have coverage that is stacked, which means that the limits available to you are multiplied by the number of cars on your policy.