While it is the law for all drivers to carry some sort of minimum liability coverage, there are still people who don’t. If your car happens to be hit by an uninsured motorist, make sure you exchange information with the driver at fault, call the police, and contact Nationwide right away. Don’t accept any money from the driver who is at fault.
Legally if someone without insurance hits your car, they are obligated to pay for any damages or medical bills, but this is not always what happens. You may need to take the other driver to court, with no guarantee of a settlement. That’s where uninsured/underinsured motorist coverage comes in handy. These two optional policies cover damage costs in accidents where the driver at fault either does not carry any kind of car insurance, or where their insurance is not enough to cover the damage.