When an uninsured driver causes damage, uninsured motorist coverage helps cover the cost. A driver like this is at fault for a crash, which is covered by your policy of insurance to the extent of the limits. If you are hurt or your car has been damaged, this coverage may help pay the costs.
UIM and UM claims are made against the health insurance company. If no settlement can be reached in a reasonable time frame, a demand for arbitration is filed.