You pay your motor vehicle insurance premium every month. Therefore, you expect to have adequate protection and coverage if you end up in a serious collision while driving. Many people don't understand that basic liability policies don't offer them any direct protection. Your motor vehicle policy won't repair your vehicle or pay for your medical bills. Instead, it covers any damages you are liable for if you cause a crash with another driver.
That means when another driver is responsible for a collision, your bills get paid by that person's insurance policy, not yours. If that other driver does not have an active insurance policy, however, that could leave you in a difficult situation. You may be unable to work and have medical bills stacking up.