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

You may be able to obtain coverage from your own insurance policy if you have uninsured motorist coverage, which puts your insurance in the driver’s seat of the at-fault vehicle. The owner of the vehicle that the at-fault driver was driving is also responsible. If they’re driving for any company, that company may be responsible. That’s why it’s so important to go to a competent lawyer who knows accident law to determine your rights.