If another driver is uninsured, you'll be able to file a claim with the individual uninsured motorist (UM) coverage to deal with health care charges and dropped wages. For those who don’t have UM protection or your damages exceed its limits, you might require to sue the uninsured driver, but https://www.1800cantwork.com/courses/social-security-disability-with-eric-shore-the-basics/lessons/filing-for-reconsideration-basic-steps-3/