Uninsured motorist protection is another element of car insurance that should always be taken into account when choosing automobile insurance. This covers injuries sustained by a driver or the occupants of a car that have been hurt in some way by an uninsured or hit and run driver. This type of insurance coverage also covers accidents caused by drivers that have inadequate levels of insurance. It is important to note that up to a quarter of the drivers in most states are not insured. That is why uninsured motorist protection is so important to consider.