It is estimated that as many as 1/3 of all drivers in Mississippi do not have liability insurance in place. That means that if you pull up to a red light and there is a car on your right and one on your left – chances are that one of them has no insurance. Although Mississippi state law requires minimum coverage, sometimes people just can’t afford the cost of insurance and drive anyway. Other times, they simply let it expire and therefore still have an insurance card with them to show the police if they get stopped. In order to protect yourself and family, you should have Uninsured Motorist “UM” coverage on your policy. UM coverage protects you when someone else is at fault for a wreck and they have no insurance or not enough insurance to cover your losses.