When a driver refuses or is unable to carry proper motor vehicle insurance, that driver puts more than just him - or herself - at risk. If the improperly insured driver injures another person, the insurance will be inadequate to cover the damages. Injured parties, however, may be covered by their own insurance policies. Uninsured and underinsured motorist coverage protects accident victims in these cases. If you have been involved in an accident with an uninsured or underinsured driver, it is important to contact an attorney at Milavetz, Gallop & Milavetz so we can help you receive the compensation that you are entitled.