Nope. Talk to your agent if you have concerns, but that's what uninsured motorist is for. I had this happen about ten years ago in my Mustang, a woman ran a stop sign and hit me in the passenger side. (front) Your insurance company will recover their damages from her if they feel they can. They will *certainly* harass her and threaten legal action no matter what. Since she has no insurance company to argue on her behalf and Johnnie Cochran is no longer among the living, she's fucked. Only downside is this: Your insurance company will not raise your rates solely on this incident; however this will be reported as a claim to the Comprehensive Loss Underwriting Exchange. (aka CLUE) If you switch insurance companies, or your policy is reviewed or rewritten, your rates may increase due to this being reported to CLUE. They are sort of a "credit bureau" that reports your claims history to interested parties. Not much you can do about that, unless you want to sue her in civil court for damages... good luck with that, because our wonderful state judicial system only provides relief for damages you have already sustained; not ones which you will or might. Hope this helps.