Insurance

What If the Other Driver Is Uninsured?

Published 2026-08-06 • Updated 2026-08-28 • Reviewed by 365 DataSolutions Content Review

This article is general information only. It is not legal advice, and reading it does not create an attorney-client relationship.

Discovering that the other driver has no insurance is stressful. This page describes general concepts only; coverage questions depend on your own policy and state law.

Document even more carefully

• Photograph the vehicle, plate, and driver information you were given.
• Note whether the driver claimed the vehicle belonged to someone else.
• Collect witness contact information before anyone leaves.
• Ask whether an official report was created and note the number.

Terms you may encounter

• Uninsured motorist coverage: coverage some drivers carry on their own policy for this situation.
• Underinsured motorist coverage: coverage that may apply when the other driver's limits are low.
• Hit-and-run: an incident where the other driver leaves without identifying themselves.

Whether any of these applies to you is determined by your policy and applicable law, not by this website. We do not interpret coverage.

If you were injured

Some people in this situation choose to speak with an attorney who handles motor-vehicle accident matters. You can request attorney contact here if that is what you want.