If you are in a serious car accident and cannot work for a long period of time, Uninsured Motorist Coverage protects your family against the driver who may have low limits of liability insurance coverage.  Pennsylvania law only requires that a driver have $15,000- $30,000 in liability insurance coverage.  The $15,000 pays for injuries to one person, while the $30,000 represents the total available for one accident.  These minimum limits have not been raised since before 1980. If you are injured in a car accident and cannot work, you will need money to pay your rent, mortgage, car payment, utilities, food,