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.
The British Admiralty had secretly subsidized her construction and she was built to Admiralty specifications with the understanding that at the outbreak of war the ship would be consigned to government service. As war clouds gathered in 1913, the Lusitania quietly entered dry dock in Liverpool and was fitted for war service. This included the installation of ammunition magazines and gun mounts on her decks. The mounts, concealed under the teak deck, were ready for the addition of the guns when needed.