The vehicle owners of the 21st century have increased greatly, leading to problems like air pollution, excess fuel consumption, noise pollution, an increase in carbon print, etc. One such huge problem is accidents. The accidents occur pretty much in every state and have been a huge cause of fatalities worldwide. The accidents occur due to collision between vehicles, hitting vehicles over the pedestrians, driving over trees or dividers, etc. The cause of the accidents chiefly includes drunk driving, harsh uncontrolled driving, dozing off while driving, racing, faulty roads, faulty breaks, drug-induced driving, etc.Though many government officials take many efforts to prevent such accidents, irresponsible behaviour of citizens or negligence has increased the casualties due to road accidents. So it has become necessary to have insurance for yourself and that of the motor vehicle you are using to fill in the damage in case of any mishap. You should also possess uninsured underinsured motorist insurance in addition to your insurance.What is Uninsured Motorist Insurance?Uninsured motorists are the motorists who ride their vehicles without any insured uninsured motorist coverage. In case of any mishap, the motorists' insurance that pays medical bills and other expenses are. But in the absence of insurance, there is no one to cover the expenses. If the accident is caused by another vehicle, then the vehicle's owner would be liable to pay for the victim's expenses.This is when having uninsured motorist insurance for the uninsured victim of the accident you are involved in. The uninsured insurance is generally included in the auto insurance but has to be separately purchased if it is not involved. The insurance helps you save from the immediate expenses of the huge medical bills of the victim, know more importance here. Even if the victim is insured but is underinsured according to the law and the medical expenses highly surpass the bills, you still have to pay for the overhead expenses again covered by uninsured insurances.What Is Uninsured Motorist Auto Insurance?Uninsured motorist auto insurance is the insurance to the damage caused by you to the victim's vehicle in the accident. Motor insurances are the insurances you make for your motor vehicle to protect you from your vehicle's damage expenses. Many motorists ride their vehicles without availing of this insurance. The other person involved in the accident is made liable to pay for the victim's vehicle's damage. To protect yourself from the huge bills of the repairs, it is safe to possess auto insurance comprehensive and collision.Types of Uninsured or Underinsured InsurancesThere are primarily two main types of uninsured or underinsured insurances, namely, UMBI and UMPD.UMBI stands for uninsured motorist bodily injury coverage. It is the insurance to protect you from any medical expenses caused due to the injury to your body in the accident. In the case of an uninsured driver causing the accident, you can avail of the expenses through this insurance.UMPD stands for uninsured motorist property damage and is used to save you from the repair bills in case of an accident caused by an uninsured driver. The above points are enough for you to understand what is uninsured motorist auto insurance.