What happens when an uninsured driver hits you? After an accident with an uninsured driver, you can sue that driver for damages or file an uninsured motorist claim with your own insurer. Unfortunately, car crashes are a frequent and perilous occurrence on the roads of Illinois. If you are injured due to another driver's negligence or recklessness, you usually depend on their insurance to receive compensation. However, there are situations where the other driver lacks sufficient insurance coverage to provide you with fair compensation.