What happens if the other driver involved does not have insurance?

If the other driver involved in an accident does not have insurance, it can complicate the claims process. In such cases, it is essential to have uninsured motorist coverage as part of your auto insurance policy. This coverage helps protect you financially by covering damages and medical expenses caused by an uninsured driver. You can file a claim with your own insurance company under the uninsured motorist coverage, and they will essentially step into the role of the other driver's insurance company. However, the specifics may vary depending on your policy and the laws of your state. It is always recommended to consult with your insurance provider to understand the process and ensure you are adequately covered in case of accidents involving uninsured drivers.