What happens if the other driver involved in the accident is not insured or has minimal coverage?

If the other driver that's responsible for causing the accident is uninsured or has minimal coverage, then you may have a couple options available to you. First and foremost, you should look to see who's the owner of that vehicle. If the owner is a separate person then the driver of the vehicle, then you may have a claim against the owner, so you should look for insurance from them. However, hopefully, you have uninsured or under-insured motorist coverage. What that means is if they didn't have insurance, then your own insurance company will act as the insurance company for your claim. Or, if they didn't have enough, as the question was asked, and they are therefore under-insured, then you may have a claim against your own insurance company under your under-insured motorist coverage provision.