What happens if the other driver involved in the accident is not insured or has minimal coverage?

If the other driver that causes the accident is not insured or has normal coverage, then you will need therapist find out if you have what’s called uninsured or under insured lender’s coverage. If you do have this type of UM or UIM coverage, then you can make a claim against your own interest company through the UM coverage for your pain and suffering damages.