What happens if the person who hit me does not have insurance?

There are several ways in which that person might be covered. If they live with someone with a valid insurance policy, they may be covered as a resident relative. Or, if someone else owned the car, there may be a valid insurance policy to cover the driver. Also, you may have uninsured motorist coverage through your own insurance policy. Our law office would be happy to help you locate applicable coverage to protect your interests.