The driver who hit me may not have insurance or not have enough insurance. What do I do?

Every driver is required by law to have insurance. However, many drivers do not. If you were involved in an accident with an uninsured driver, there are not many options open to you. If your insurance offers accident coverage, you may recover the expense of fixing your car. If your car is written off as being totaled, you can claim the value of it.

If you happen to be carrying uninsured motorist coverage, you can recover personal injury damages in an amount that does not go over the limit of your policy.

If the at-fault driver is underinsured, speak to an attorney immediately. Even if you carry under-insured motorist coverage, you need to follow certain legal steps to collect. Never take anything said to you about the lack of insurance at face value. Always consult with an attorney.