I received my insurance renewal in the mail with a form asking me if I wanted uninsured motorist insurance. I didnt really understand what uninsured motorist insurance was until I phoned my insurance company. They explained to me that uninsured motorist insurance covers an accident involving an uninsured motorist. In the event my car is damaged or if I am injured, having uninsured motorist insurance will cover damages and medical bills. I asked her did my last policy have it and she said no. My last car was 10 years old which may be the reason I didnt have the insurance. I purchased another car last month, so now I am not sure if I should get the uninsured motorist insurance or not. What do you all think? Do you have uninsured motorist insurance? AND. Why or why not dont you have it? Is it worth it? Just curious to see what other think about this.