I won’t sugarcoat it. If the other driver doesn’t have insurance, you’re screwed . . . possibly. There are all kinds of different coverages to protect you from uninsured drivers, but they’re all optional, and they all cost extra, so not everyone buys them. Collision coverage will pay for your property damage (will also pay for your property damage if you cause an accident), but not for your injuries. Uninsured motorist coverage will pay for your injuries, but not for your property damage. Rental reimbursement coverage, extraordinary medical benefits coverage, funeral expense coverage, lost income coverage, etc. will all protect you in the event you’re in an accident caused by an uninsured driver, or caused by someone who simply doesn’t have enough insurance to cover everything you’re due.