If you experience the unpleasant occurrence of getting hit by an uninsured driver, you aren't out of luck. If you have full coverage, you may have no trouble at all having your insurance company pay for any damages to your car, or any medical expenses that you may incur.
Unfortunately, not everyone can afford a full coverage plan. So what happens if an uninsured driver hits you, and you only have liability? In this case, your only option may be to pursue a lawsuit against the perpetrator. But chances are if they can't afford to buy insurance, they probably won't have enough money to pay your expenses.
Luckily, you have an option to prevent this from happening, even if you don't want to purchase a full coverage plan. You can add uninsured motorist coverage to your liability plan, which will protect you from being out of luck if you get injured in such an accident. Most uninsured motorist plans don't include damage to your vehicle however. Even so, it's a good idea to have uninsured motorist coverage to prevent a costly medical bill. In the state of California, it's estimated that around 28% of drivers are uninsured, and it's probably close to that number in other states as well.
If an uninsured driver hits you, it's best to have a full coverage plan to safeguard yourself from the headache of dealing with a lawsuit. At the very least, purchase uninsured motorist coverage to avoid a costly medical bill, in case you get an injury in such an accident.