Some states mandate that insurance companies can't give you a surcharge in
your first accident with an uninsured driver (when you are not at fault); however, most states do not ban companies from imposing a surcharge after a second at - fault accident within your policy period.
Carriers describe
uninsured driver protection using two numbers: the
first is the maximum amount the insurer will pay for injuries sustained by one person in an
accident with an
uninsured driver, and the second is the maximum amount the carrier will pay per
accident.