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.
Certainly her captain and crew should have been on high alert. As the Lusitania neared the end of her crossing, a German U-boat sank three British ships in the waters south of Ireland through which she was about to sail, and he received repeated warnings that U-boats were active on his intended course.