Uninsured driver coverage is insurance, which covers a driver or passenger damaged by the negligence of an uninsured driver. Uninsured motorist coverage, referred to by the acronym UM coverage, is mandatory in Wisconsin automobile insurance policies. In this way, responsible people who buy insurance will have some coverage protection in their own policy against people who do not get insurance. There has been a lot of changes back and forth in Wisconsin over the last twenty years, and it is essential for anyone analyzing an accident to determine what statutes were in effect at the applicable time. For this purpose only the current state of the law will be discussed, after the 2011 statutory changes.