What do I do if the other driver who was at-fault, does not have insurance?

You can use your own uninsured motorist portion of a policy of insurance that you have with your own automobile. If you do not have a car, but you live at home with your parents, you may be able to use the policy of insurance on a parent’s vehicle. There is always the possibility of suing the other driver and collecting the money from the driver personally, but a search of assets will reveal whether the person could ever afford to pay a judgment against him or her.