Identification

• Several states require all drivers to carry at least some amount of coverage for damage from uninsured motorists. This type of insurance requires the insurer to pay out as if the person at fault had insurance. In addition, the law may allow the victim to sue the uninsured driver for damages.
  
  

Function

• Uninsured motorist laws exist to protect insured drivers from suffering damages from those without insurance and to give drivers motivation to purchase auto insurance.
  
  

Considerations

• In most cases, people do not carry car insurance because they cannot afford it. If the uninsured driver causes damage, he may not possess enough resources for it to be profitable for the victim to sue, hence the reason uninsured motorist insurance is highly advised.
  
  

Effects

• Uninsured motorist laws change depending on the location, but most states revoke driving privileges for uninsured motorists until they pay for any injuries or damages.
  
  

Tips

• People should review their particular state laws concerning who is considered an authorized driver of the vehicle. The state court usually determines who receives benefits in an accident with an uninsured driver, or who an uninsured motorist insurance policy covers.