--- title: The Other Driver Doesn't Have Car Insurance! Now What? description: Uninsured motorists are always a risk- know your options by understanding your personal auto insurance policy coverages --- ## The Other Driver Doesn't Have Car Insurance! Now What? - Posted on Tuesday, July 7, 2020 **Know Your Options!** Despite the fact that car insurance is mandatory for registered vehicles in most states, there are many drivers who drive without any insurance or maintain only the required state minimum coverages. The best way to protect yourself is making sure you have plenty of UM & UIM coverage on your auto insurance policy. **How Does UM/UIM Help Me?** Uninsured motorist (UM) coverage is used when the at-fault driver can’t pay due to lack of insurance. Underinsured motorist (UIM) coverage is used when the driver’s liability limits are lower than the costs of the accident. **What Can I Do?** In the event a driver or passengers are injured due to the negligence of an uninsured or underinsured driver, you may seek compensation for injuries and damages through the UM and UIM portions of your own auto insurance policy. **What Does UM/UIM Insurance Pay For?** Coverage for bodily injury provides insurance for medical bills, funeral expenses, lost wages, pain and suffering, disfigurement and permanent or partial disability. Coverage for property damage provides insurance for auto repairs, total loss, rental car and damage to personal items carried in the vehicle. **How Does UM/UIM Insurance Work?** In order for UM/UIM to pay, it must be established that the other driver was at fault. **Are You Protected?** We are here to help answer your questions and review coverages free of charge! **573-327-8040** [gatewayinsurancenetwork.com](https://l.facebook.com/l.php?u=http%3A%2F%2Fgatewayinsurancenetwork.com%2F%3Ffbclid%3DIwAR3-OvZ7lmjYFThkTiyD18cwSPtK7bdJ7RoP6yo3X3Iix5j8Gx1y45eK3Io&h=AT3XsbaYvi9uWGyfc6M9qXbdDDlKLDu0bRym-RSo3YFxT_yK-68dH4KNmz9J_w_JXTF4a-AaQNlpPWlUTOISmh9e_NFhJJWHNXKlSghRcDQE5msNFDYJyXz6VfslGDSFjmEBiRk9luiyic2mrxr_4bur7weA8xrr5OrAU5drqrk4sTfmTQJ_7JlFWOxxmr_qThPTwo65vBArcYDkhvOVOVG9JtNtclhiEYmKi1VTLEGq8Gk9XEl4bjUa--An3LvgsQe0mTIArKEUwtCu8aGJosS15hAJ1Hv2GONvbB9ziInn42r_ByelJJN7XRWQ-8_UJhVoAH83kb77FNcCk6l0qEiAeCmDjYd7VYAJc1qx2LBsVo7oJ858BsEhRWGQo7Qi4q74qF0B0loKrBE9I400I_Xc7OUNOG2S_t6-FDdrEVOcWIFQE9JzU2_YIqR1L-4dyrEI_bLLOWLtGwU__DRkOkxy3_v1lRQK2RTbioDAF5PW38Bk7JZepSNuondZPn81KBziLz8HECHTFxAm-9mpTnColLx_Sj0k24Z0rPI_DUUR7vLYoaf229voyw_rnaaXZ0JnKVrEaTWB-C-1U4GVJXe6wuzDfGPXOBDszfjdBx8K8-SGc80cj_ARosvvQZfS) ## Share This - [Facebook](https://www.facebook.com/sharer.php?u=https%3A%2F%2Fwww.gatewayinsurancenetwork.com%2Fblog%2F2020%2F07%2F07%2Fthe-other-driver-doesnt-have-car-insurance-now-what.md) - [Twitter](https://twitter.com/share?url=https%3A%2F%2Fwww.gatewayinsurancenetwork.com%2Fblog%2F2020%2F07%2F07%2Fthe-other-driver-doesnt-have-car-insurance-now-what.md&text=The+Other+Driver+Doesn%27t+Have+Car+Insurance%21+Now+What%3F) - [LinkedIn](https://www.linkedin.com/shareArticle?url=https%3A%2F%2Fwww.gatewayinsurancenetwork.com%2Fblog%2F2020%2F07%2F07%2Fthe-other-driver-doesnt-have-car-insurance-now-what.md&title=The+Other+Driver+Doesn%27t+Have+Car+Insurance%21+Now+What%3F) - [Email](mailto:?subject=The+Other+Driver+Doesn%27t+Have+Car+Insurance%21+Now+What%3F&body=Thought+you+might+be+interested...%0A%0AThe+Other+Driver+Doesn%27t+Have+Car+Insurance%21+Now+What%3F%0Ahttps%3A%2F%2Fwww.gatewayinsurancenetwork.com%2Fblog%2F2020%2F07%2F07%2Fthe-other-driver-doesnt-have-car-insurance-now-what.md) ## Insurance Quotes **Give us some info and we'll help you find the best coverage options!** [Request a Quote](/quotes) ## Contact Us **Contact our office for more information!** [Contact Us](/contact) ## Customer Reviews **You don't have to take our word for it, check out what our customers say about us!** [Reviews & Testimonials](/reviews-testimonials) ## Insurance Partners [Travelers — Progressive — GEICO — Foremost Insurance — Bristol West — Barton Mutual — National General Insurance — The Hartford — Hagerty — Guard — Employers — AIG — Pie Workmans Comp Insurance — Dairyland — Sentry Insurance — Aetna — Humana — Mutual of Omaha — Gerber Life Insurance — Bestow Term Life Insurance — Mass Mutual — Palomar Specialty — Colonial Bond and Insurance Co. — North American — Personal Umbrella — Openly — TransAmerica — Breeze Disability Insurance — Banner Life — Savings Bank Life Insurance — John Hancock Life Insurance](/insurance-companies) ## Connect Online - [Facebook](https://www.facebook.com/myadvisor1) - [LinkedIn](https://www.linkedin.com/in/debbie-hammor-b4a3818b/) - [Instagram](https://www.instagram.com/gatewayinsurancenetwork/) - [Yelp](https://www.yelp.com/biz/gateway-insurance-network-desloge) - [YouTube](https://www.youtube.com/channel/UCJa4J5alsdC0arNuPazqy7Q) * * * [Blog Feed](/blog/feed.xml) * * * [All Blog Articles](/blog) ```json {"@context":"https://schema.org","@graph":[{"@type":"BlogPosting","@id":"https://www.gatewayinsurancenetwork.com/blog/2020/07/07/the-other-driver-doesnt-have-car-insurance-now-what#blogposting","url":"https://www.gatewayinsurancenetwork.com/blog/2020/07/07/the-other-driver-doesnt-have-car-insurance-now-what","mainEntityOfPage":{"@type":"WebPage","@id":"https://www.gatewayinsurancenetwork.com/blog/2020/07/07/the-other-driver-doesnt-have-car-insurance-now-what#webpage"},"headline":"The Other Driver Doesn't Have Car Insurance! 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