If you are involved in an accident and the driver who rear-ended you has no insurance whatsoever, you can still pursue a claim under your own insurance policy under what’s called your uninsured motorist policy. Under this claim, if you are involved in a motor vehicle accident and the person who caused the accident has no auto insurance, your own policy will cover for damages and bodily injuries you sustain. Similarly, if the driver who rear-ended you has insurance, but the policy is minor or small and not enough to cover your injuries, you can try filing under your own insurance policy under what’s called underinsured policy.