why is there insurance against uninsured drivers?
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If you don’t have uninsured driver insurance, and an uninsured driver hits you, then you, or your next of kin in the event of your death, need to go after the individual personal assets on your own, which includes you hiring lawyers, doctors, etc, to make a claim and then take it to court.
Best case scenario some decently well off middle class person who is capable of making a settlement hits you, if it’s someone with too much money, you’ll likely see nothing as they can afford lawyers to fight it in court until you run out of money.
But most likely, it’s somebody with no money, so you’re better of trying to extract gold from your drinking water.
If you have uninsured driver insurance, and an uninsured driver hits you, then the insurance company compensated you per your policy, and then they’re on the hook to get their money from the uninsured driver.
So eli5? There’s some idiots that drive without insurance, and it protects your from the hassle of chasing them down for compensation.
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