If you discover the at-fault driver doesn’t have liability insurance, you might be able to file a claim with your insurance company. Uninsured motorist coverage (UM) is optional insurance offered to all policyholders. It protects accident victims when the liable motorist doesn’t carry insurance.
If you chose to purchase UM coverage, you could file a claim for compensation for the following damages:
Medical bills
Pain and suffering
Property damage
Lost wages and future earnings
Out-of-pocket costs