why is there insurance against uninsured drivers?
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if your car gets totaled by an uninsured driver, who pays?
They don’t have insurance, so their insurance company won’t pay. The other driver probably doesn’t have any money, and even if they did a lawsuit could take months or years and cost you thousands of dollars to pursue. In the meantime you don’t have a car and can’t get to work.
So the compromise solution is that your insurance company pays you, and then they can sue the other driver, because the insurance company has resources and time to pursue a lawsuit that you do not
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