So what is uninsured motorist coverage? If you drive in the mid-South, you know that most folks — as high as 50% of the drivers — have no insurance. But you can purchase what’s called uninsured motorist coverage. If the other driver doesn’t have insurance, your insurance — your uninsured motorist coverage — can provide for you in the event you’re injured by someone else. Uninsured motorist coverage is something that you have to get with your own insurance policy, and it only comes into play if the other driver is uninsured.