If you get into a car accident with an uninsured motorist, you may feel as if all hope is lost. Although this situation is not ideal, you do have two options. If you have uninsured/underinsured motorist insurance under your own insurance policy, you can file a claim with your insurance company. If you do not, there is the opportunity to file a civil lawsuit. In this situation, you would be suing the other driver to pay for your damages.