Uninsured motorist coverage is only required in the 20 states of the U.S. while the remaining 28 states, consumers can refuse of having this coverage on their policies.
If you have been reading articles from this site, you already know that there are two states in the U.S. that do not require drivers to carry auto insurance – that is Virginia and New Hampshire. Although in Virginia, vehicle owners are required to pay $500 fee each year starting from the day they registered their vehicles and soon thereafter.
Did you know that there are about 14% uninsured drivers nationwide? This would mean that there is a 1 to 7 chances that when someone hits your car, the driver does not have any insurance coverage at all. And if he did have one, it will not be enough to pay all the incurred damages.
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