A study by an independent property-casualty insurance research group says that the five states with the highest percentage of uninsured motorists were New Mexico (29%), Mississippi (28%), Alabama (26%), Oklahoma (24%), and Florida (23%). That means that more than one in four cars on the road do not have insurance that would cover you if they are at fault in causing an accident that injures you or a member of your family.
The only way you can protect your family is to purchase uninsured motorist coverage from your own insurance company. It is an additional expense, but it covers you if you are in an accident with an uninsured motorist. You are not actually buying insurance coverage for the uninsured motorists benefit, it only provides coverage for your family. Talk to your agent. You really cannot afford to do without it.