I am assuming your accident happened in Pennsylvania or New Jersey. You would need to make an uninsured motorist coverage claim. Uninsured motorist coverage protects you in the event that the driver at fault does not have insurance. If the amount of your uninsured motorist coverage is $300,000, then the maximum you can recover is $300,000 depending on the severity of your injuries.
What many people do not know is that you have to make the uninsured motorist claim against your own insurance company. You should talk to an experienced PA or New Jersey car accident lawyer to help you with the UM claim because it is a legal process.
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