Getting hit by a driver with no insurance is frustrating. This circumstance
unfolds all the time, though. By some estimates, around 12% of all drivers
in the country do not have any insurance.
If you get hit by someone without insurance, then you can use your uninsured
motorist (UM) insurance policy to seek damages. This policy is usually
an additional premium service that you must add, though, so you might
not have it if you did not specifically purchase it. Furthermore, your
insurer can deny your UM claim, which means you might have to fight your
insurance provider for compensation rather than an outside company.