You should have it because in some states it's required and certain states have more uninsured drivers than others. Review our table below, showing states where UM is required. All states, except New Hampshire, require drivers to maintain some type of auto insurance, but not everyone follows the law.
Lusitania. The Lusitania was a British passenger ship that was sunk by a German U-Boat on May 7, 1915. 128 Americans died. The unrestricted submarine warfare caused the U.S. to enter World War I against the Germans.
Ironically, the U-boat was originally intended as a defensive craft. It was only mobilized offensively in response to the British blockade. The first expression of the German U-boat's offensive power was the sinking of the Lusitania in May, 1915. The Germans had placed numerous newspaper ads warning Americans not to travel aboard the Lusitania, which was carrying munitions but masquerading as an ocean liner.