Your best option is to make a UM insurance claim if you have UM coverage. UM insurance is the most important insurance you can buy because it protects you when you are injured by an uninsured or underinsured driver. Everyone needs UM coverage. There are other options to consider even if the driver does not have insurance. For example, the car may be owned by someone else who has liability insurance, the deriver may be working at the time of the wreck making his employer responsible for the injuries and damages caused by the wreck, or the car may be rented and carry rental company insurance. Consult an experienced injury lawyer even if you believe the negligent driver does not have insurance.