What Happens if You Drive Without Insurance in Minnesota? If an uninsured driver caused your accident, you still have options to get compensation.Call 1-800-NOW-HURT for help recovering damages. This article will cover the importance of uninsured motorist coverage and what actions to take if you find yourself in an accident with an uninsured driver. Serving all of Minnesota Call 1-800-4-RIGHTS. If you're recovering, we'll come to you. If you suffer a car accident with an uninsured driver, you have options. In the event that you do not have uninsured motorist coverage, taking legal action against the uninsured driver to recover damages may be required. Get a Police Report. Uninsured Motorist Property Damage Coverage (UMPD): Pays for your car's repairs if you're in a covered accident with someone with no insurance.