why is there insurance against uninsured drivers?
In: 144
I’m your insurance company. I know you. I built a relationship with you. So I’ll insure you because you’re a good person. If you’re at fault – no worries I’ll cover the costs cause that’s what you pay me for and I like you.
But if the other guy causes the accident? Well I don’t know him. I don’t like him. I never agreed to insure everyone on the road, just you. So you need to ask his insurance to pay.
He’s at fault. Oh he doesn’t have insurance? You’re going to have to take him to court and handle this civilly. It’s not my responsibility to cover anyones mistakes but yours.
But… if you pay me more I can cover everyone else’s too just in case. If I pay a lot for someone else’s mistakes then I’ll sue them to get the money back. Don’t worry. I got you covered jack, you just gotta pay me a little more.
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