One of the most important things you can do for your family is to purchase coverage under UIM or otherwise known as uninsured motorist coverage. You should get an amount for each vehicle in your family equal to the liability limits. This coverage is critical because most coverages will cover family members in the household whether they are riding in your vehicle or with someone else. There are lots of Mississippi drivers who only carry $25,000 in coverage and some with no coverage. This insurance protects you and your family whether you are a pedestrian and injured by an uninsured or underinsured motorist, on the school bus, riding with friends, riding with other family members, this coverage will provide protection for your family and those living in your household. It is just as important (if not more so) than liability coverage.