Who covers damages if the vehicles is uninsurred but driver has his own insurance?

In this scenario, the driver's own insurance would typically cover the damages, minus any applicable deductibles, up to the policy limits. However, depending on the circumstances and specific terms of the driver's insurance coverage, such as whether the uninsurred vehicle was being used with permission or in violation of state/provincial laws, the insurance company may have the right to deny coverage. It is important for the driver to review their insurance policy and check with their insurance provider for their specific coverage and restrictions related to uninsurred vehicles.