Typically, when you’re in an accident and the other driver is at fault, his or her liability coverage would help pay for your medical bills or damage to your car. But if the at-fault driver doesn’t have car insurance, you may have to pay out of your own pocket for your medical bills or damage to your car.
That’s where uninsured motorist coverage comes in: It may help pay for resulting costs, up to your coverage limits, when you’re hit by a driver who doesn’t have car insurance.
Is uninsured motorist coverage required? Depending on where you live, uninsured motorist coverage may be required by law: 20 states and the District of Columbia have laws that make it mandatory.