A few points...and keep in mind that I'm an insurance agent, and I deal with insured's all day long so I've seen/heard a lot...
This might be slightly off topic, but I felt the need to mention this. Uninsured drivers are currently a blight on America. Why should I, or anyone else for that matter have to pay higher rates and be responisible, so that others can be more irresponsible?
You aren't required to carry uninsured/underinsured motorists coverage, at least not everywhere (I live in PA) Here, you have the option to reject it, or if you want to carry it, you do so for your own benefit, just like all the other coverage, and therefore you pay for it.
1. If an uninsured motorist gets into an accident with an insured motorist. Then it is always and automatically considered the uninsured motorists fault.
Oh yeah that's a BRILLIANT idea...Just because a person is uninsured, doesn't mean they should be responsible for accidents which are other people's fault too...that's one of the dumbest things I've ever heard and I hope I misunderstood...
2. If the uninsured motorist cannot pay the insured mototist for the damage caused, then the uninsured motorist's car will be taken as payment.
Please keep in mind that many people don't have insurance because they can't PAY for insurance. They can't afford it, just like healthcare insurance. And do you know why? Because everybody want's to SUE everybody else. Because lawyers are chasing ambulances and because jury's are dumb enough to set a precedent by which ALL OTHER CASES will be determined. Because I recently saw a woman get awarded 75k because she couldn't have sex with her husband
for a few months.
Do I think it's right that they don't buy it when they're supposed to? NO. Do I think that blood can be extracted from a stone? NO. There's a reason your two "laws" aren't laws. Because they're counterproductive. Do you REALLY think that by taking away one of the only assets a person may have (AND BTW may be their ONLY means to get to their job, again, counterproductive) is going to HELP matters? Then you're just stuck with an uninsured, UNEMPLOYED person. There is really no upside to punishing people who are already in a disadvantaged situation. I know it's not right, but unfortunately not everyone can afford the best coverage available... which leads me to:
Just to expand on armor99's post, it is not only uninsured motorists, but also underinsured motorists who present a problem. I am aghast at how many states allow motorists to legally drive with only 20K of liability insurance. What are the states thinking?
They're thinking at least the people who may not be able to afford the best coverage will be able to at least buy SOME coverage.
Please keep in mind that I know this is not ALWAYS the situation, and that some people do it just because they can, but it sometimes IS the situation, and I think sometimes those of us in a better financial situation (which I'm assuming most of us are considering we're on this site) have a tendency to assume the worst.
I see things from both sides because I'm an insurance agent AND obviously I also have insurance as an individual. Just my .02, you may continue complaining...