Can I still get compensated if the at-fault driver has no insurance?

Yes, you can still recover compensation if the at-fault driver has no insurance. Your primary option is to file a claim under your own uninsured motorist (UM) coverage, which steps into the shoes of the insurance the other driver should have purchased. UM coverage pays for your medical expenses, lost wages, and pain and suffering—just as the at-fault driver's policy would have. You can also pursue a personal injury lawsuit directly against the uninsured driver, though collecting a judgment from someone without insurance can be difficult. This is why carrying adequate UM coverage is so important for Colorado drivers.