If the at-fault driver in a motorcycle accident does not have insurance or is underinsured, it can make it more difficult for you to recover compensation for your damages. However, there are still options available to you: File a claim with your insurance: If you have uninsured/underinsured motorist coverage, you may be able to file a claim with your own insurance company. This type of coverage can help cover your damages if the at-fault driver is uninsured or lacks enough insurance to compensate you for your losses fully. File a lawsuit against the at-fault driver: Even if the at-fault driver does not have insurance or assets, you can still file a lawsuit against them. However, collecting the damages awarded in a judgment may be hard if the driver doesn’t have the means to pay. Seek compensation from other sources: In some cases, you may be able to seek compensation from other sources, such as your health insurance, disability insurance, or workers' compensation. Consult with a personal injury attorney who can help you understand your legal options, guide you through seeking compensation from the at-fault driver, and identify other potential payment sources.