Yes — but only if your policy includes coverages like uninsured motorist (UM), underinsured motorist (UIM), collision, or medical payments coverage. Without these protections, you may have to pay out-of-pocket if an uninsured driver hits you.
What Happens When an Uninsured Driver Hits You
If You Have Uninsured / Underinsured Motorist Coverage
Your policy may cover your medical bills, lost wages, and injuries to passengers.
If your UM/UIM policy includes property damage, it may also pay for repairs to your vehicle.
Many UM policies also protect you in hit-and-run accidents or situations where the at-fault driver can’t be identified.
⚠️ If You Don’t Have These Coverages
Standard liability insurance will not cover damage caused to you by another driver. Liability only covers damage you cause.
Without UM/UIM or collision, you may have to pay for your repairs and medical costs yourself.
Suing the uninsured driver is an option, but many uninsured drivers cannot afford to pay judgments.
Collision Coverage
If you have collision coverage, you can use it to repair your car even if the at-fault driver is uninsured.
You must pay your deductible, and your rates may be affected depending on the insurer.
What to Do After an Accident With an Uninsured Driver
Call the police and get an official report confirming the other driver is uninsured.
Take photos, gather witness statements, and document the scene.
Get the driver’s contact information and license plate number.
Contact your insurance company and report the accident.
Ask if you have UM/UIM, collision, or medical payments coverage.
File a claim under the appropriate coverage if available.
FAQ — Uninsured Driver Coverage
Will my insurance cover my damage if an uninsured driver hits me?
Yes — but only if you have UM/UIM or collision coverage.
Does liability insurance cover me in this situation?
No. Liability only covers damages you cause to others.
Is uninsured motorist coverage worth it?
Yes. It protects you from uninsured drivers and hit-and-run accidents.
Can I sue the uninsured driver?
You can, but collecting money is often difficult because uninsured drivers usually lack financial resources.
Will collision coverage help?
Yes. Collision can pay to repair your vehicle, regardless of who caused the accident.
Summary for Featured Snippet
Your insurance may cover an accident caused by an uninsured driver only if you have uninsured motorist, underinsured motorist, collision, or medical payments coverage. Without these protections, you may need to pay the costs yourself.
Do you want to be fully protected if an uninsured driver hits you?
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