What happens if the other driver involved in the accident is not insured or has minimal coverage?

If you were involved in an accident with somebody who doesn’t have insurance or has minimal coverage, the easiest way to get a recovery is if you have uninsured motorist or underinsured motorist on your own policy. Unfortunately, probably about only one in four people have this type of coverage. But it is extremely important to have if you are involved in this type of accent because you can recover against that policy as if the person who doesn’t have a policy, has it. The other alternative is to pursue the person personally, without insurance. Yes, you may be able to obtain a verdict against them, but it is usually very difficult to end up collecting from that person, that judgment.