If you’re in an accident with an uninsured or underinsured driver, you can use your own uninsured/underinsured motorist (UM/UIM) coverage if you have it. This coverage can help pay for medical bills, lost wages, and other damages. If you don’t have UM/UIM coverage, you may choose to pursue a lawsuit against the at-fault driver, but collecting damages can be harder if that driver has limited assets. ​