Uninsured motorist coverage is optional. But if QuotesChimp can afford it we urge you to purchase it. If you don't, the only protection you have if you are hit by an uninsured driver will be your med pay, which is rarely enough to pay for all of the bills of a serious accident. The additional expenses of your injury�such as medical bills beyond that covered by med pay, lost wages, and pain and suffering�will simply not be covered if you don't have the pro�tection of uninsured motorist coverage.