After an accident involving an uninsured or underinsured person, you may have the right to seek financial recovery from your own insurance company. If you have the correct type of coverage on your policy (such as uninsured/underinsured motorist insurance), your own company may offer a settlement to cover your damages. Otherwise, your only other option for recovery may be with a personal injury claim. It may be possible to file a claim against someone who does have the means to pay a settlement – such as a product manufacturer, company, or employer. A conversation with an attorney can open your eyes to all potential means of recovery.