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In many jurisdictions it is compulsory to have vehicle insurance before using or keeping a motor vehicle on public roads. Most jurisdictions relate insurance to both the car and the driver, however the degree of each varies greatly.
Uninsured Motorist Insurance. Uninsured Motorist insurance is a coverage that protects you if you're involved in an accident with someone who does not have Liability insurance or does not have enough Liability insurance to pay for your damages. Uninsured Motorist insurance options vary widely by state including coverage options, available limits and mandatory requirements.