Most auto policies include collision coverage that will pay for car repairs if you're in an accident with an uninsured or underinsured driver. First, contact the police and have them document the incident.A police report will serve as crucial evidence in your UIM claim. Report the accident to the police. File a lawsuit against the uninsured driver: Sometimes filing a suit with a San Antonio auto accident lawyer is your best course of action. To schedule a free initial consultation with one of our experienced San Antonio accident attorneys, call 210-610-8545, or fill out our online contact form. Texas law requires every driver to carry minimum insurance, however many drivers are uninsured or underinsured. "We still have too many uninsured motorists. For accident reports, please visit the TXDOT website. Uninsured motorist (UM) coverage is an elective coverage that can protect you in the event you have an accident with a driver who is not insured.