why is there insurance against uninsured drivers?
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I’ve not seen a good answer yet. Why **specifically** for uninsured drivers, when you are more likely to have damage or injury (OP does not specify which type of insurance) caused by yourself? Don’t you want more broad insurance that cover all accidents?
If another driver is liable, better your insurer has to pursue them, insured or not.
The only reason I can think of is: ‘My car is old, I can easily afford to replace it if it breaks down or I crash it. But if somebody else damages it, i will be angry and want them to pay. “Unlicensed driver insurance” will reduce the stress of legal action, or being out of pocket, to me in that situation.’ Is that it?
Or is it some weird American thing where you need an add-on to normal insurance?
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