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Q: What if the other driver has no insurance?
A: In Virginia it's completely legal to drive without insurance, all you have to do is pay a fee at the DMV and you're good to go. There are plenty of these people out on the road and there are even more who have insurance but it is minimal. If you get hit by either of these people un-insured or under-insured then you should be covered at least somewhat by your un-insured/under-insured motorist clause in your own auto insurance policy. The level of coverage depends on your specific plan but if you fall victim to these drivers it's likely you won't recover anymore than what your own plan offers.