why is there insurance against uninsured drivers?
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Insurance agent here. Uninsured and under insured motorist covers bodily injury claims another party causes to you. The benefit to you is this. Most people have medical insurance so if you are hurt you could get the medical bills paid for and your med coverage would likely go after the at-fault party. Uninsured/underinsured would allow your insurance carrier to pay out for thing that medical coverage won’t like pain & suffering or lost wagers. Bodily injury damages go much further that just direct medical bills
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