If a loved one has been injured or killed by an uninsured or underinsured motorist then you may be facing not only physical recovery, grief, and an inability to work and make a living, but also financial struggles. When your pedestrian accident was the result of carelessness or negligence on the part of the driver, the usual course of action would be to file a claim with the driver’s insurance. Unfortunately, in some cases, a driver may not have insurance or could be woefully underinsured.