If you are in a car accident, and the other driver is at fault, their insurance will cover your damages. What happens if that driver doesn’t have car insurance, or enough coverage for the cost of your damages? About 1 in 7 drivers on the road are completely uninsured. This can lead to some big problems with getting the coverage you deserve for your damages. When there is no insurance company to file a claim against, you have to deal directly with the driver, and this can be a frustrating and unsuccessful endeavor. There is something called uninsured motorist coverage that will help to protect you from having to pay the costs yourself. It can cover anything ranging from injury-related medical expenses, to the costs of repairing your vehicle. UNinsured motorist coverage will protect you if you get into an accident with an at-fault driver who doesn’t carry liability insurance. UNDERinsured motorist coverage will protect you when you’re in an accident with an at-fault driver whose liability limits are too low to cover the cost of your damages or medical expenses. The underinsured motorist coverage will cover the excess cost after the at-fault driver has paid for all damages up to their policy limits.