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What if the other driver does not have insurance?

Most states have laws which make automobile liability insurance mandatory for any person owning a car. Various penalties and fines may be levied against any person failing to carry insurance in at least minimal amounts. This does not help pay for your medical expenses, lost wages and property damages.

The only way to protect yourself in the event the other driver is either uninsured or underinsured (does not have enough coverage), is to purchase uninsured motorists coverage. Make sure you have this important coverage on all of your vehicles.