why is there insurance against uninsured drivers?
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The other answers have explained why you need UM coverage, but I think what you’re really asking is “why is it possible for somebody to be on the road driving around uninsured?”
It is because owning and having physical access to a car is completely separate from the process of having a license, insurance and registration. It is possible to have these things expire, but nobody is immediately going to come over to your house and take your car keys away from you. It’s legal to own an uninsured car as long as you don’t drive it anywhere, lol.
There are also people on the road who cannot get a license/insurance for various reasons. Certain criminal records, DUI, immigration status, poverty, etc.
The police don’t typically intervene, unless they have a reason to, and that’s often long after you’ve already caused an accident. So, unfortunately, it’s largely on the honor system.
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