Too often I represent a client who is badly injured but is limited in his or her recovery on the case because of inadequate insurance coverage. Many people make the mistake of getting only the minimum coverage in an effort to keep insurance costs down. Higher UM and UIM coverage limits, along with medical payments coverage, are generally worth the modest additional premiums. If you are in an accident with an uninsured or underinsured driver, you will be glad that you have this coverage. Talk to your insurance agent about increasing policy limits. You may be surprised at how affordable it is.