Generally, the worst drivers are also the ones who don't bother getting automobile insurance. As long as you have automobile insurance, you are ok. Every person with automobile insurance has uninsured motorist coverage. It reimburses you for your injuries when you are in a car accident with someone who does not have insurance. Also, if the wreck was not your fault, it is against Missouri law for the insurance company to raise your premiums just because you file a claim with them for your uninsured motorist benefits.