Quite simply, an uninsured motorist is someone who's driving a car but doesn't carry the minimum mandatory coverage. Remember, driving without insurance is illegal and has serious repercussions. It’s important to understand that when purchasing insurance in Canada, you're insuring the vehicle, not necessarily the person driving it. Therefore, as a driver, make sure the car you’re driving is properly insured and you have the owner’s permission to use the vehicle if you’re not the owner.
If you are the owner of the vehicle, it's your responsibility to ensure your car is properly insured and that your policy reflects all required licensed drivers and their usage.
It’s also worth mentioning unidentified drivers. An unidentified driver is considered someone who flees the scene of an accident without providing their information. This is known as a hit and run, which is treated differently than an uninsured driver when it comes to coverages.