If you were involved in a vehicle accident with a driver who doesn’t have any insurance, you’ll probably need to rely on your own insurance to cover your losses. For most people, this would be covered by uninsured motorist (UM) coverage, which is usually add-on protection from your insurance company. UIM coverage is only required in a few states, although insurance companies are required by law in most states to offer it to customers.
If you live in a no-fault car insurance state, your own insurance will be paying for your medical bills and other damages after the accident. Therefore, the fact that the at-fault party doesn’t have insurance or that they fled the scene matters much less. Consequently, filing a lawsuit against the at-fault driver is more complicated and only relevant in a handful of scenarios. Speak to a car accident lawyer to learn more about whether you live in a no-fault state and what can be done about it.