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Driving comes with an inherent risk, and one of the most significant risks on the road is the possibility of an accident with an uninsured or underinsured driver. While auto insurance is legally required in many places, not all drivers comply with the law, and some may have only minimal coverage that isn't sufficient to cover all the costs associated with an accident. This is where Uninsured/Underinsured Motorist (UM/UIM) coverage comes into play.