More and more people are driving today WITHOUT any car insurance. Fortunately, if you have your own car insurance policy in effect at the time of an accident, you will be protected. For example, if another driver runs into the back of your car, and it is determined that the other driver has no insurance, you can make an UNINSURED MOTORIST CLAIM for injuries & lost wages through your own insurance company.
Not only does Uninsured Motorist Coverage protect yourself, but it also protects other family members residing in your home at the time of an accident. For example, if your spouse or child is a passenger in a car involved in an accident, and both cars do NOT have insurance coverage, your policy will compensate them for injuries. Another point to keep in mind is that buses and cabs are not required to carry uninsured coverage, however, you can file a claim with your insurance company.
The key is to make sure you have a valid insurance policy to protect you and your family.