You need to buy as much uninsured and underinsured motorist coverage as you can on your own vehicle. 1 out of every 7 drivers in the country have no car insurance. Most are underinsured even if they do have coverage. Therefore, if you don't have enough uninsured and underinsured coverage, you can become financially devastated in the event of an accident. I wrote the book 3 Feet from Disaster to inform the public. The book is free on my web page.