Uninsured and Underinsured Motorists When a driver refuses or is unable to carry proper motor vehicle insurance, that driver puts more than just him- or herself at risk. If the driver injures another person, the insurance will be inadequate to cover the damages. Injured parties, however, may be covered by their own insurance policies; uninsured and underinsured motorist coverage protects accident victims in these cases. If you have been involved in an accident with an uninsured or underinsured driver, it is important to contact an attorney to create a plan of action. Depending on the facts of your case and the extent of the injuries involved, however, you may be able to break those tort thresholds and have the benefit of an unlimited right to bring suit. While there are many issues involved in this complex legal matter, it basically boils down to whether you have suffered a serious injury often involving the permanent loss of a bodily function. In these severe cases, the Pennsylvania legislature determined that it would be more of a burden to continue the limitation of the insurance policy.