If you live in a no-fault car insurance state, your own insurance coverage will pay for the medical bills and other covered losses after a motor vehicle accident, no matter who was at fault for the accident. As a result, even if the other driver is not insured, it will not matter to your claim since no-fault policies will cover owners and their passengers for: Hospital and medical bills resulting from the car crash Income losses resulting from not being able to work after the accident Funeral expenses In addition, in the states with no-fault insurance, you generally cannot sue the other driver unless you suffered a severe injury or incurred medical bills over a certain amount. However, pursuing a lawsuit may result in a dead-end if the other motorist has no insurance.