An uninsured/underinsured motorist (UM/UIM) accident occurs when the at-fault driver lacks sufficient insurance to cover the damages or has no insurance at all. In such cases, the victim’s own insurance policy may provide coverage. These situations can be complex, as dealing with insurance companies and understanding policy terms requires thorough knowledge. Injuries from UM/UIM accidents can range from minor to severe, often requiring extensive medical treatment and resulting in significant financial burdens.