If you’re involved in an accident with someone who doesn’t have insurance, you’ll want to call your insurance agent to check if you have uninsured motorist coverage. If you do, you’ll then file a claim through your own policy for your bodily injury and/or property damage expenses. If you don’t, then you’ll be on the hook for these bills.
To learn more about uninsured motorist coverage, check out this article: https://getjerry.com/advice/all-about-uninsured-motorist-coverage-car-insurance-by-cheryl-knight.