What Happens If You Are Hit by an Uninsured Driver?
Updated Sep 30, 2026 · Daniel Moreau · 5 min read
The other driver should pay, but what if they have no insurance — or drive off? How you are protected depends on where you live.
What this article covers
Driving without insurance is illegal almost everywhere, yet uninsured drivers are involved in a notable share of collisions. Hit-and-run incidents raise similar problems.
Different countries handle this in different ways, and your own policy may help.
Uninsured motorist coverage
In the United States, uninsured and underinsured motorist coverage (UM/UIM) is part of many policies and is mandatory in some states. It pays for your injuries — and in some versions your car — when the at-fault driver has no insurance or too little.
National compensation schemes
Many countries have a central body funded by insurers that compensates victims of uninsured and untraced drivers, such as the Motor Insurers’ Bureau in the UK. There are usually strict time limits and conditions, including reporting to the police promptly.
Your own policy
Comprehensive policies cover damage to your own car regardless of fault, though you may need to pay the excess. Some insurers offer an “uninsured driver promise” that protects your no-claims discount and refunds the excess if you were not at fault and can identify the other vehicle.
What to do at the scene
- Make sure everyone is safe and call emergency services if anyone is hurt
- Note the other vehicle’s registration, make, model, and colour
- Photograph the scene and the damage
- Get contact details of any witnesses
- Report it to the police as soon as possible
This is general insurance information, not legal, financial, or insurance advice. Coverage depends on your specific policy, insurer, and jurisdiction. Read your policy documents and speak with a licensed insurance agent or broker before making decisions.