why is there insurance against uninsured drivers?
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I assume you are talking about the US?
To answer your question, if someone uninsured crashes into you they most likely won’t have the funds to pay for damages. The insurance covers you in those cases
different countries have different ways of doing it. I live in Australia and you can have
* comprehensive – covers both your car and their car and property for all accidents, regardless of fault
* Third Party – covers their car and property if you are in an accident and you are at fault. Some providers also cover your car up to a certain price if it wasn’t your fault and some also cover uninsured drivers
* Third party fire and theft – same as above, but covers your car if it is stolen or set on fire
* No insurance – self explanatory
Then there is Compulsary third party insurance which is paid as part of your car registration. This covers you and other people for injury or death in an accident, but doesn’t cover any property or vehicles. As the name implies, this is not optional
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