When your damages are worth more than the at-fault driver’s insurance policy, you have what is called an uninsured motorist claim. You have to look for other ways to recover. The best source of recovery is an uninsured motorist policy, which is commonly referred to as “UM”. There are various sources of UM coverage, including your own policy, the policy for a car you’re riding in as a passenger, or a resident relative’s UM policy.