Often the individual who caused the crash has no insurance. If the At-Fault driver does not have insurance is the reason why your auto insurance policy should come with Uninsured Motorist (UM) coverage. In a situation where the at-fault driver has no insurance, you’ll file your claim under your UM coverage with your own insurance company. Your insurance company will process your claim through the same process as it would for an opposing insurance company, except your claim will be against your UM coverage as opposed to another driver. Likewise, if you are involved in a hit-and-run accident, in which the individual flees the scene before exchanging any information, you will seek compensation from your UM coverage.