In some instances a driver responsible for the collision either has no insurance or may not have enough insurance coverage. In this case, it is imperative to determine there is uninsured motorist coverage and/or underinsured motorist coverage and file a claim with your own insurance carrier as soon as possible to protect your rights. In an underinsured and/or uninsured motorist claim your own insurance carrier stands in the shoes of the underinsured and/or uninsured motorist that caused the collision
