If an uninsured driver hits you, your best option for compensation usually comes from your own auto insurance policy, specifically through uninsured motorist (UM) or underinsured motorist (UIM) coverage, which pays for medical bills, lost wages, and other damages up to your policy limits. You should call the police immediately, document the accident and driver details, seek medical attention, and notify your insurance company to file a claim under your UM coverage. Suing the uninsured driver directly is possible but often difficult since they may not have the financial means to pay damages. Additional coverage like collision insurance or personal injury protection (PIP) can also help cover vehicle repairs and medical expenses. If you lack UM coverage, you might have to pay out of pocket unless other insurance or legal avenues apply.
