Tom from Nanticoke asks, “What are uninsurance benefits?” Simply put, it’s car insurance to provide protection to you and your family in the event that the driver who caused the accident did not maintain insurance. In Pennsylvania, it’s not mandatory to have uninsurance benefits, but it’s certainly a good idea. Although it’s a crime, there are many drivers who operate vehicles on our roadways without maintaining insurance. And those drivers usually are judgment-proof. From a cost standpoint, it’s very cost-effective to purchase uninsurance benefits for the benefit and protection it provides to you and your family.