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Hit by an Uninsured Driver? What Coverage Pays

Name: Hit by an Uninsured Driver? What Coverage Pays
Uploaded: 2026-11-07T08:20:00+02:00
Duration: 30 s
Description: If an uninsured driver hits you, their policy cannot pay. How your uninsured motorist and collision coverage typically step in. State rules vary.

30 sec · Published November 7, 2026. Stock footage and narration created for this guide; illustrative only, not footage of a real crash, claim, or person.

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If an uninsured driver hits you, their policy cannot pay. How your uninsured motorist and collision coverage typically step in. State rules vary.

This short video is a summary of our explainer Hit by an Uninsured Driver? A Step-by-Step Guide to Getting Your Car and Medical Bills Covered, which covers the details, the steps to take, and how auto insurance typically handles it.

Transcript

If an uninsured driver hits you and is at fault, they have no liability policy that can pay. Your uninsured motorist coverage may pay for injuries, and in some states it also covers damage to your car. Collision coverage can repair the car minus your deductible. Get whatever information you can at the scene and report the crash. State rules vary.

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Important: This video is general information, not legal, tax, or insurance advice, and coverage rules vary by state, insurer, and policy. AutoInsuranceBundle.pro is a free, independent insurance comparison and referral service. We are not an insurance company, we do not issue policies, and we do not provide insurance advice. Calls to the number on this site are routed to licensed insurance agents or agencies in our partner network, who may receive compensation. Calling is completely voluntary and there is no obligation to buy. Rates, discounts, and availability vary by carrier, state, and individual eligibility; not all carriers, products, or discounts are available in all states. Calls may be recorded for quality and compliance purposes.