why is there insurance against uninsured drivers?
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Whenever someone is injured, they have a right to file a personal injury lawsuit seeking a judgment/payment for damages. This can include loss of earning capacity, medical bills and general harms (“pain and suffering.”)
This right is frequently worthless against uninsured parties – they lack insurance, obviously, and assets as well.
So, if you purchase Uninsured Motorist Coverage, your own insurance company will step into the place of the uninsured party, and pay you the value of your personal injury claim. Depending on the gravity of the harms involved, this could greatly eclipse whatever insurances are already covering.
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