FAQ's After an accident, never agree to give a recorded statement to an insurance company. Insurance companies are looking out for the interest of their insureds and their own interest in requesting a recorded statement, not yours. Uninsured/underinsured motorists benefits protect you when an uninsured/underinsured third party driver causes an accident. Always make sure that you request these benefits on your motor vehicle insurance policy and that you request that your uninsured/underinsured motorist coverage limits equal your liability limits. This is very affordable coverage which provides additional protection for you, the policyholder.