What if the person who hit me does not have insurance?

If you are in an accident that is the fault of a driver who does not have insurance, you could file a lawsuit directly against the driver. However, if the person doesn’t have insurance, it’s unlikely that you will recover any compensation from them. Uninsured and underinsured motorist coverage (through your own insurance company) may be an option for pursuing the money you need to help recover from your injuries.