Uninsured motorist coverage is a type of coverage that you purchase with your own automobile insurance company to protect you in the event you are injured by another driver who is uninsured. If you are injured by another driver, whether you are driving your vehicle or are a pedestrian, and that driver does not have insurance, your insurance company will pay for your injuries. Within uninsured motorist coverage is underinsured motorist coverage. This applies when you are injured by another driver, whether you are driving your vehicle or are a pedestrian, and that driver has insurance, but does not have enough insurance to adequately compensate you for your injuries.