A car accident with someone who has no insurance is considered an uninsured motorist case. An uninsured motorist case can arise in many ways. Maybe the person who hit you showed an insurance card to the police officer but did not pay their premium, so their insurance was canceled. Maybe the person driving the car which caused the accident was an excluded driver. We have even handled cases where the insurance company for the at-fault driver went bankrupt.
No matter how it happens, if there is no insurance to cover your medical bills and lost wages, you have an uninsured motorist case.