If you were involved in a motorcycle crash with a driver who does not have auto insurance, you may get in touch with your own insurance company for compensation if your policy has the uninsured motorist clause.

You may still collect compensation from the uninsured motorcycle driver who was at fault by filing a case, which according to Jeff Harder, you may ultimately bar them for suing for non-economic damages like pain and suffering. You can also receive compensation by going after some assets the driver has which includes: their savings, a portion of earnings from future paychecks, or even their house.

Some states have no-fault laws, where each driver’s insurance pays for that driver’s and his passengers’ injuries or damages, no matter who is at fault. There’s a catch, though: No-fault laws restrict your ability to sue.

It is important to protect yourself no matter what so you have to make sure that to add uninsured motorist coverage to your insurance policy.