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.
On May 7, 1915 the Lusitania was approaching the coast of Ireland. The voyage was almost over, but it had reached its most dangerous point. It was soon spotted by the German u-boat U-20. The u-boat moved in to attack and fired a torpedo. A lookout on the Lusitania spotted the wake of the torpedo, but it was too late.