When you get into an accident with another driver and that driver is at fault, you expect him or her to pay for the damages to your vehicle and for your medical bills and lost wages. You're suffering the impact of that driver's negligence, so there's no reason you should have to pay for that mistake financially as well.
While most drivers will have insurance at average levels, some may have inadequate insurance or none at all. If you find out that the person who hit you doesn't have insurance or is under-insured, you may think you're going to have to pay out for your medical care and eat the costs of your lost time at work. That may not be the case, though.
If you have uninsured or under-insured motorist coverage, your insurance company may cover the costs of damage to your vehicle as well as supporting you financially by paying you for your lost wages or medical bills. If you do not have this coverage, then you may have to turn to other methods to get the compensation you need.
One option is to negotiate a direct settlement with the person who hit you. If that isn't an option, then you can take the driver to court and seek compensation directly by suing him or her.
Our website has more information on what to do if you're hit by an under-insured or uninsured driver. With the right help, you can be sure that you file a claim in the right way, so you can get the compensation you need as you recover.