Do you assume that if your car is hit by another car the other driver has insurance?
Don’t. Your assumption may be wrong. More and more people are driving without insurance or driving with minimum insurance coverage.
If you or your loved-ones get hurt in a car accident and the other driver has no insurance then your healthcare insurance covers the medical costs. Who pays for your lost wages and pain and suffering. No one and most people do not have sufficient assets for you to attach in order to satisfy a jury award.
You also may be driving without medical insurance .
There is a relatively inexpensive way for you to be adequately insured from the carelessness and fiscal neglect of other drivers.
Uninsurance and Underinsurance.
You can buy from the own insurance company that covers your car an optional coverage that most brokers do not discuss:
a. uninsurance: you pay a little extra premium per year and buy insurance if you are hurt in an accident and the other driver has no insurance.
b. underinsurance: you pay a little extra premium per year and buy insurance if you are hurt in an accident and the other driver does not have sufficient insurance to pay for all your damages.
These premiums are modest and you will no longer be at the mercy of strangers to guarantee there is enough insurance to pay for your medical expenses, lost wages, pain and suffering, and disability and those of your passengers.
Arthur F. Licata
About-the-law 
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