What if someone hits me in my car who doesn’t have insurance and my car is damaged and I’m injured?

In that case you’ll make a claim back against your own policy under what’s known as the uninsured motorist provision of your policy. Whenever I explain that to people, the next question is inevitably “won’t that make my insurance rates go up?” Typically now your insurance rates will not go up if you’re involved in an accident that you did not cause.