why is there insurance against uninsured drivers?
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Because people drive without insurance and get into car accidents. Also, depending on the situation they may not have enough coverage so under insured is also a thing as well. The thing is, nothing stops a person from jumping behind the wheel of a car except knowledge or keys if lack of knowledge. This means about anyone can drive including a 8 year old who obviously wouldn’t have insurance nor a license even. Now, if your car got hit by a uninsured person, can you imagine being told “yeah your car is totaled, but they have no insurance so sucks to be you!”. Yeah you would be pissed, hence that kind of insurance solves the problem.
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