BAd driver

Robin1953 wrote:

ferndaleflyer wrote:
Seen 2 instances like this---
1: A drunk driving someone elses car hit my Aunts HOUSE and knocked it off the foundation. They said driver had no permission to drive the car (owner was passed out in the back seat) and refused to pay. Ended up her uninsured motorist insurance kicked in and paid for everything.
2: About same deal, Brother in law was hit head on by a drunk driving someone elses Jeep with no tags, insurance, or license....Same as above, uninsured motorist coverage paid for all of it.

\Rant On\
It is one of my pet peeves that I have to carry UNINSURED and UNDER-INSURED coverage on my vehicle. I understand the whole point since I was hit head-on one time by an uninsured driver, he was 18 and the car was in his name, and of course no employment, living with parents, etc, etc. However it still grates me every time my agent explains my policy to me. The law says I have to have insurance to have a driver/vehicle license so why doesn't the law make the uninsured have insurance? I can accept the under-insured easier than the uninsured. At least the under-insured are trying to carry at least the minimum required by law, which in WV is pretty low.
\Rant Off\

The driver was drunk and didn't have a license. Pretty sure that is illegal in most states. Why would it matter to them if they break yet another law? I believe liability insurance is mandatory in most, if not all, states. However, there is no mechanism that could ever be in place that would be able to force people into compliance. Uninsured/Underinsured coverage is a cheap rider to your comprehensive insurance policy and is well worth it.