If the at-fault driver does not have automobile insurance, they probably do not have any other assets to compensate you. If you have uninsured motorist coverage (UM), you can recover for your damages. UM is an optional coverage you purchase to protect yourself against drivers who break the law by not carrying any automobile insurance coverage. Use of your UM coverage should not raise your insurance rates because this is a no-fault claim, meaning you are not responsible for your damages. Wayne Wright LLP can assist you with this type of claim. If you do not have UM coverage, we highly recommend that you purchase it.