What if the other driver, who caused the accident, has no insurance?

A: Even though your state may require all drivers to carry a certain level of auto insurance, that doesn’t mean that everyone follows the law. This is why some states require insurance companies to offer drivers uninsured and underinsured motorist coverage. If your insurance policy has this feature, then it may compensate you for some of your losses.  In any event, in some states, like New York, a state agency (Known as MVIAC) will ensure that any victim of a car accident obtains a limited amount of car insurance even in those cases where the car that caused the accident lacks insurance.