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One often overlooked auto insurance coverage is uninsured or underinsured motorist coverage. Everyday, thousands of uninsured motorists take to the road with you. Thousands more have insurance, but not enough. These two groups, uninsured motorists and underinsured motorists, increase your risk of financial suffering in the event of an accident because you'll either get no money from their insurance policy (because they don't have one) or very little money.
When you get uninsured motorist or underinsured motorist coverage on your own policy, your insurance company will be there for you in the event of an accident, even if it's the uninsured party's fault. That portion of your policy will pay you for your injuries and damages so you don't need to rely on the nonexistent policy of an uninsured motorist or ultra-low policy of the underinsured motorist.
Even if this coverage isn't required by your state, it's definitely worth considering. It will help keep your family's savings in tact in the event of an accident and will reduce the stress you feel when you're out driving with the potentially uninsured masses.