Rochester, MN personal injury lawyer Paul Dahlberg talks why you’re covered in an car accident even if the other driver doesn’t have insurance. He explains that even if the other driver has insufficient or no insurance coverage, residents of Minnesota are still protected. The state requires mandatory uninsured and underinsured motorist coverage on auto insurance policies. This means that if you’re involved in an accident with an uninsured or underinsured driver, you can rely on your own insurance coverage to make a claim and receive compensation for your injuries.