https://www.injury-attorneys.com/car-accidents/uninsured-motorist/ - Can you protect yourself from a hit and run accident and why do you need uninsured & under-insured motorist coverage?
There are many drivers on the road who do not have insurance. The Insurance Research Council estimates that 22% of motorists in California are uninsured. It is a good idea to have protection in your own policy in case of an accident with one of the drivers.

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