When a driver without auto insurance causes an accident, you get hurt! You have a few choices, including using your Insurance or filing a personal injury case. The nature of your injuries and whether you have UM or UIM coverage will determine your alternatives. If your state requires UM or UIM as part of your compulsory motorist coverage, that will frequently determine whether you carry it. A minimum UM or UIM is needed in some states, such as New York, but not in others, like Florida, for all licensed drivers. Therefore, it is preferable to be ready if someone hits you and has no insurance.