It's against the law in most states to drive without insurance. However, an estimated one out of every seven drivers on the road is uninsured, according to the Insurance Information Institute. If you're hit by an uninsured driver, your own insurance will cover the costs if you have uninsured/underinsured coverage. This type of coverage is designed to cover repair and medical costs if you're hit by someone without insurance. Sometimes, the other driver may be insured, but does not have enough coverage to pay for your total costs. Underinsured coverage kicks in and picks up the remainder. These types of coverage often are sold together.