What to do if the other driver doesn't have insurance?
In this video, Sevenish Law answers the question: What should I do if the other driver doesn't have insurance, or enough insurance? This is not generally a problem in no-fault states. But in an at-fault state, being hit by an uninsured or underinsured driver can stick you with many damages and losses all due to someone else's bad decisions. You may still be able to get the money you need if you have "Responsible" uninsured and underinsured motorist insurance coverage. Responsible coverage limits vary on a person to person basis, depending upon their assets and individual circumstances but general guidelines are to have $250,000 per person and $500,000 per accident both for UM (Uninsured Motorists) and UIM (Underinsured Motorist) coverage's. If possible also consider a $1,000,000 Umbrella policy if you own your own home.