(BPT) - Every day, accidents happen on the road that leave drivers facing unexpected costs, stress, and uncertainty — all of which increase when you're driving unprotected. While most Americans carry auto insurance, almost 16% of drivers are uninsured according to the Insurance Research Council, and many more don't carry enough coverage to manage the cost of an accident.

Staying safe while driving doesn't just mean keeping your eyes on the road. It's important to understand the financial and legal risks of driving underinsured, and to take steps now to keep you and your loved ones covered.

Seven key reasons to never drive uninsured:

1. Unexpected Financial Burdens

Without adequate coverage, drivers may be responsible for paying medical bills, repair costs, and even legal fees out of po

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