Noninsured Driver

Operator with no liability insurance. If a noninsured driver hits another car, the victim sometimes has no recourse against the driver. For this reason, many motorists carry Uninsured Motorist Coverage an endorsement to the Personal Automobile Policy (PAP) that covers them if they are involved in a collision with a driver without liability insurance. Some states also maintain an Unsatisfied Judgment Fund to pay claims to innocent victims of automobile accidents.