Unfortunately, sometimes the other driver’s insurance policy does not cover an accident victim’s losses, but if that happens, uninsured or underinsured insurance coverage may fill in the gap. Underinsured motorist coverage is part of a driver’s insurance policy that covers the cost of damages and injuries if the at-fault driver’s insurance is inadequate. An uninsured motorist coverage policy comes into play when the at-fault driver does not have insurance coverage. Depending on the terms of your policy, you may need to file a claim with your insurance to receive underinsured and uninsured motorist benefits. A car accident attorney can help you file a claim.