What Happens If the Other Driver Doesn’t Have Insurance?

You’ve just been in an accident. The dust settles, and then you find out the other driver has no insurance. Suddenly, the situation feels a lot more complicated.

Unfortunately, uninsured drivers are more common than most people realize. But the good news is you still have options — if you know where to look. Here’s what happens when the other driver doesn’t have coverage, and what you can do about it.

1. Your Uninsured Motorist Coverage (UM)

Most auto policies include or offer uninsured motorist coverage. This kicks in when:

• The other driver has no insurance at all.

• You’re the victim of a hit-and-run.

UM coverage may pay for:

• Medical bills

• Lost wages

• Pain and suffering

It essentially steps into the shoes of the at-fault driver’s insurance.

2. Underinsured Motorist Coverage (UIM)

Sometimes the other driver has insurance, but it’s the bare minimum. If their policy isn’t enough to cover your damages, underinsured motorist coverage fills the gap.

This can be critical in serious accidents with high medical costs.

3. Using Your Own Policy

Even without UM/UIM, your own coverage may help:

• Collision coverage can pay for repairs, minus your deductible.

• Medical payments coverage (MedPay) or PIP may cover initial medical costs.

It’s not ideal, but it keeps you from being left with nothing.

4. Suing the Other Driver

You can file a lawsuit against the uninsured driver directly. But here’s the catch: if they couldn’t afford insurance, they may not have assets worth pursuing. Lawsuits are only worthwhile if the driver has income or property that can be collected.

5. Why UM/UIM Coverage Matters

If you don’t already have it, uninsured/underinsured motorist coverage is one of the smartest add-ons you can carry. It’s usually inexpensive — and can save you from financial disaster if the other driver is uninsured.

The Bottom Line

Getting hit by an uninsured driver is frustrating, but it doesn’t have to mean you’re stuck paying the bill. With the right coverage — or legal options — you still have ways to recover.

👉 If you’ve been injured in a car accident and the other driver didn’t have insurance, fill out our quick questionnaire. FindLawFast will connect you with the guidance you need.

Disclaimer: This article is for general informational purposes only and should not be taken as legal or financial advice. Insurance coverage and recovery options vary by state and individual policy. Always consult a qualified professional for guidance.