Summary
The article warns that about one in seven U.S. drivers lacks insurance, so getting hit by an uninsured driver is common and costly. It urges drivers to carry uninsured motorist (UM) coverage because, if the at‑fault driver has no insurance, your own UM policy can step in to pay for injuries and sometimes vehicle damage up to your limits. Without it, you may have to rely on collision coverage or pursue the other driver in court, which can be slow and uncertain. The piece stresses documenting the accident and knowing your coverage.
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