If you’ve been injured through no fault of your own in a car accident where the other driver had no insurance or his or her coverage wasn’t sufficient to reimburse you for all your damages, you may be entitled to turn to your own insurance policy for compensation from your uninsured/underinsured motorist coverage. Uninsured/underinsured motorist coverage pays benefits when the at-fault party’s insurance coverage fails to compensate you for the full extent of your damages.