Kansas City, MO personal injury attorney Rachel Smith talks about what to do if the driver who injured you doesn’t have insurance. If the driver involved in an accident lacks insurance, most states require individuals to carry uninsured coverage on their own policies. As part of community outreach, some organizations offer to review insurance policies and recommend additional coverage if needed, as many people are often underinsured and could benefit from increasing their coverage. Uninsured coverage is unique in that it protects individuals who are injured, have high medical bills, and find that the at-fault driver either lacks insurance or has insufficient coverage. In states like Kansas and Missouri, where the minimum insurance requirements are set at $25,000, this amount may only cover an ER bill. Personal insurance policies include provisions to offer such protection, but it is crucial to have as much coverage as affordable. In the event of a crash with an uninsured driver, this additional coverage can be vital in avoiding unpaid medical bills or other economic and non-economic damages.