why is there insurance against uninsured drivers?
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If someone hits you in the US there’s about a 1/7 chance that they do not have car insurance. It’s illegal, but still common.
If they don’t have car insurance, you better believe they don’t have the ability to pay for the damages.
Uninsured driver coverage means that your insurance will compensate you even though the other driver should be liable.
If you don’t have this coverage, you will have to try to collect from the other driver (sue them to garnish wages, etc) but this is like getting blood from a stone.
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