Finding out the at-fault driver that just hit you has no auto insurance or is underinsured can be a very disconcerting experience. Even though car insurance is legally required in the state of Louisiana, in the state and across the nation, as many as one in eight drivers do not have auto insurance. If you are in an accident with an uninsured driver—and you have uninsured motorist coverage—you must follow a certain protocol following the accident. As with any accident, first, you need to call the police. Even if—or especially if—the at-fault driver asks you not to call the police (because they know they will get ticketed for not having insurance coverage), you must have a police report on file.