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What Happens If the Other Driver in an Accident Is Not Insured or Underinsured?

If you're involved in an accident and the other driver, the at-fault driver, does not have insurance, it's important to immediately find out whether there are other sources for recovery. The first and most obvious other source would be the owner of the vehicle if the owner is someone other than the at-fault driver. Additionally, you could seek benefits from your own uninsured motorist coverage, if in fact you have uninsured motorist coverage.