This insurance coverage protects you from injuries that are caused by uninsured drivers.  You can obtain such coverage for yourself and your covered family members up to the limit of your own liability coverage.  So, if you obtain only the minimum liability coverage of $15,000, you can obtain uninsured motorist coverage only for $15,000.  This insurance protects you wherever you are.  If you are a pedestrian and are hit in a crosswalk by an uninsured driver, you are covered.  This coverage follows you around.  It covers you in another person’s vehicle, even if the driver of the vehicle you are in is the one who is uninsured, assuming that driver is one who is at fault.