An uninsured motorist is a driver who operates a vehicle without the legally required auto insurance coverage. Encounters with uninsured motorists can lead to significant financial and legal complications, especially in the event of an accident. Victims may face difficulties in receiving compensation for damages, medical expenses, and lost wages. To mitigate these risks, many states offer or require uninsured motorist coverage as part of auto insurance policies. This additional protection ensures that individuals have a safety net if they are involved in an accident with an uninsured driver. It highlights the importance of responsible driving and the need for adequate insurance to protect all road users.