why is there insurance against uninsured drivers?
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That is to protect you in case somebody is uninsured or underinsured. It is a very good thing to have because it’s the cheapest health insurance you will ever get. During your prime years this is extremely important. So is PIP coverage. The PIP coverage comes into effect regardless of fault and is often paid out long before anything else. It is a Goodwill coverage and it is often called by different names. It can cover the guests in your car right down to if they break their glasses and the amount paid out in PIP is over and above any other limits in the policy.
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