Were you hit by an excluded driver? Can you do anything about it? Unfortunately your options are limited but there are ways to overcome it if you have the right coverage. In this case another driver pulled out of a parking lot causing a car accident with our client. As a result, our client broke his hand. Although there was no way to pursue the at fault driver, we were able to recover the full policy limits from our clients insurance policy and then got big reductions on his medical bills.