Hit by an Uninsured Driver: What to Do

Last reviewed June 2026

Quick answer. If an uninsured driver hit you, your own uninsured motorist (UM) coverage is usually the primary path to recovery. It pays for your injuries up to your UM limit as if it were the at-fault driver’s policy. In New Hampshire, where liability insurance is not mandatory, this situation is especially common.

A crash with an uninsured driver feels like a dead end, but it usually is not. The recovery just shifts from the other driver’s policy to your own coverage.

Uninsured Motorist Coverage

UM coverage exists for exactly this situation. It pays for your injuries as though it were the at-fault driver’s liability policy, up to your UM limit. Most states require insurers to offer it, and in some it is mandatory.

The New Hampshire Factor

New Hampshire does not require most drivers to carry liability insurance, so uninsured at-fault drivers are more common there. Carrying solid UM coverage is the practical protection.

Underinsured Drivers

When the at-fault driver has insurance but not enough, underinsured motorist (UIM) coverage bridges the gap between their limit and your actual damages.

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Frequently Asked Questions

What Do I Do If the Driver Who Hit Me Had No Insurance?

Turn to your own uninsured motorist (UM) coverage, which steps into the shoes of the missing insurer. If you have it, it can pay for your injuries up to your UM limit. This is especially common in New Hampshire, where most drivers are not required to carry liability insurance.

What If They Had Insurance but Not Enough?

That is what underinsured motorist (UIM) coverage is for. It covers the gap between the at-fault driver’s limit and your damages, up to your UIM limit.

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