According to the Insurance Research Council, approximately 1 in 8 drivers in the United States are uninsured, meaning that these drivers are on the road without even the minimum auto insurance required by law. If you are injured in an accident with a negligent uninsured motorist, it is likely that you will be unable to recover the full value of your claim. This is because the overwhelming majority of drivers lack the financial resources to resolve even a small claim out of pocket.