If you’re involved in an accident with an uninsured driver in Minnesota, it’s crucial to know your options. Minnesota is a “no-fault” state, meaning your own insurance covers medical expenses and lost wages regardless of who is at fault. However, if damages exceed your policy limits, you may face challenges. Ensure you have Uninsured Motorist (UM) coverage, which can help cover costs if the other driver lacks insurance. Report the accident to the police and your insurance company promptly. Consulting with a personal injury attorney can also provide guidance on recovering additional damages. Always prioritize safety and gather as much evidence as possible at the scene.