why is there insurance against uninsured drivers?
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Imagine you are hit by an uninsured driver.
You can sue them, sure. If they’re poor, as is likely among uninsured drivers, then you will get nothing – can’t draw blood from a stone as they say.
What does this leave? It leaves you fucked.
Well guess what – congratulations to you because insurance is the practice of selling someone protection from getting fucked. Lucky for you, your insurance company has seen people get fucked this way before, so they offer a specific type of insurance where you pay them $X/mo and now in the event that you get hit by someone who is uninsured, you are no longer fucked.
It’s really just an additional layer of insurance. Companies like to offer various layers because not everybody needs the same $250/mo policy. Maybe in your Rolls Royce that makes sense, but when I’m driving my late grandmother’s ’91 Corolla, it literally makes no sense at all to spend $250/mo when the car is worth a few thousand – if you hit this shitty Corolla and you’re not insurance, whatever, fuck it.
To remedy this difference in car values and perceived risks by the consumers, they offer layers of insurance. Theft, vandalism, hail damage. These things are stupid on a ’91 Corolla, but they are vital on that ’23 Cadillac that you just rolled off the lot.
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