In general the legal mandatory insurance is to cover damage you cause to other cars. But many people have insurance for their vehicles to cover damage done wh

In general the legal mandatory insurance is to cover damage you cause to other cars. But many people have insurance for their vehicles to cover damage done where the culprit is uninsured, under insured, or simply can’t be found. Third party insurance leaves you out of pocket in those cases, and even if you do find the culprit if they have no assets either you can’t even use a lawsuit to reclaim the damages.