Maintaining valid car insurance is required by law in all 50 states in the union. While each state has different requirements about what kind of insurance is necessary and how much is required, penalties for not carrying car insurance are steep regardless of where you are. That's because, in case of accidents or other emergencies, having car insurance can help expedite the claims process. If both parties in a car accident have insurance policies, cases are much easier to handle.
But if a driver who doesn't have insurance, or doesn't have adequate insurance to cover the damages hits you, the claim can get very complicated very quickly. If you're in an accident caused by an individual who doesn't have insurance at all, but you do, you can submit a claim for uninsured motorist benefits. This claim would be processed through your own insurance company, based on coverage that you had purchased in your own policy.