In 49 out of the 50 states, it is against the law to drive a motor vehicle without having auto insurance. This purpose of these laws is to protect motorist who are involved in auto collisions. Having insurance is a way to guarantee that the person deemed at fault for the accident will have a means to provide for the repair or replacement of the other vehicles involved.
As careful of a driver that you may be, you cannot always avoid other reckless drivers who may or may not have auto insurance. It is a very frustrating ordeal to be involved in a car wreck with a driver who is not insured. To help protect their clients against this type of situation, many auto insurance companies offer an uninsured motorist clause.
An uninsured motorist clause is a provision in many automobile insurance policies that provides for a driver to receive damages for any injury they receive from an uninsured, negligent driver. Individuals who do not have liability coverage for the vehicle he or she is driving are considered uninsured motorists.
If you or someone you know has been injured in an automobile accident involving and uninsured or underinsured drivers, you need to be aware of your rights and their obligations.