Unfortunately, when these types of situations take place there become very few options to the people who are struck by these tragedies. If another party is at fault in an accident which kills your spouse, and they have no insurance, you can certainly try to sue them, but you should always seek legal advice in this regard. Many people don't have the means to payout, even if you were to win the suit, so this might not always be the most advisable route for you to take.
However, it is important to think about the things that you can do BEFORE this type of situation occurs, and to make sure that others know about these options in case they should ever find themselves in this kind of a situation. The options available to you, first of all, are always going to be based both on the insurance laws of the state you live in, and the policies which you elect to purchase. As an example, states with no-fault insurance might have other options that we aren't going to present you with here.
However, there are many states which offer a specialized type of insurance that protects you specifically against being in an accident with a person who is uninsured or underinsured. Not all states offer this type of insurance but, in those that do, it is seriously worth considering. The added cost is well worth it because the consequences can be much worse if you ever find yourself in a situation where that type of insurance would have been useful and you elected not to take it. Save you and your family that trouble by always carefully investigating what options you have to protect against damages and injuries caused by uninsured drivers in your state. There may also be different degrees of these policies such as those which do include specific death benefits.
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