An uninsured motorist claim (UM claim) is an insurance claim made against your own insurance policy. The claim is made when you have been injured in an accident and the at-fault driver does not have insurance.
Further, accident victims can pursue a UM claim if they sustain injuries in a hit-and-run collision. In its simplest terms, an uninsured motorist claim places your insurance company “in the shoes” of the at-fault driver and pays on the personal injury claim.