When you are hit by an uninsured driver, the hurdles for getting fair compensation for your damages and losses are even higher. It could mean you end up paying the bulk of the medical expenses incurred, as well as losing the opportunity for lost wage reimbursement.   There are precautions you can take to protect yourself against an uninsured driver before an accident.   First, make sure you purchase at least the minimum amount of car insurance coverage. Pennsylvania requires this of all drivers. Currently, the state minimum requirements for car insurance are: Medical benefits – $5,000 per accident Property damage liability – $5,000 per accident Bodily injury liability (BIL) – $15,000 per person, $30,000 per accident. Then consider purchasing more than these amounts. Remember that even a relatively minor injury can cost more than $5,000 in medical expenses, and $5,000 in property damage is not going to replace a totaled vehicle.   Finally, protect yourself ahead of time by buying uninsured and underinsured motorist insurance from your insurer. Every insurance company selling auto insurance in Pennsylvania must offer these policies, and buying them can protect you in an accident with an uninsured or underinsured motorist.   If you don’t have insurance that covers you in the case of an uninsured driver, you may be able to sue the driver in a car accident lawsuit. Keep in mind, however, that the driver must possess sufficient personal assets to make this step worthwhile. Drivers with significant personal assets generally do not drive without insurance, but there are exceptions.   It may prove possible to pursue a lawsuit against a third party that may have contributed to the accident. For example, if the crash occurred because the other driver’s brakes failed or a tire blew out, the manufacturer is potentially liable because the vehicle or product was defective.