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What to do when the other driver doesn’t have car insurance?

If you were involved in a car accident with a driver who does not have car insurance, you can make a claim to your own insurance company to cover your damages. This claim comes under uninsured motorist (UIM) coverage. UIM coverage is additional coverage that you can purchase from your insurance company. It protects you when you are injured in a car accident with a driver who does not have car insurance and who is found to be at fault for the accident.