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.
When RMS Lusitania left New York for Britain on 1 May 1915, German submarine warfare was intensifying in the Atlantic. Germany had declared the seas around the United Kingdom a war zone, and the German embassy in the United States had placed a newspaper advertisement warning people of the dangers of sailing on Lusitania.