Most people do not understand it and fail to appreciate its importance to them and their family. Underinsured motorist’s coverage insures you and your resident family members if you or they are injured in a motor vehicle collision and the other driver does not have sufficient liability coverage to adequately compensate you for your injuries – medical bills, wage loss, physical disability, and pain and suffering. Uninsured coverage protects you and your resident family members from situations where you are injured by another driver who does not have any liability coverage on his or her automobile. Unfortunately, in this day and age a surprising number of people do not carry any insurance or only carry the statutory minimum. Under Minnesota law, that statutory minimum..