Sometimes a driver who crashes into you doesn’t have insurance. In these types of cases, your own auto insurance company might be able to pay you for your injuries. It’s called uninsured motorist coverage, and it is used when the at-fault driver injures you, but doesn’t have insurance. Chances are that your own auto insurance company will not tell you about this type of coverage because it’s in their interest to not pay you money, even if you have been paying for this type of scenario. Insurance companies love to save money and not pay when they are required to pay.