First, you need to confirm that the other party involved in the accident has no insurance coverage for your injuries. If you have medical payments or an uninsured motorist claim, you must provide documentation of your loss (injuries, medical expenses, lost wages, etc.).What to do if You are in a Car Accident with an Uninsured Motorist in Northern California. Expert help for uninsured and underinsured motorist claims in Los Angeles and Ventura. Take photographs of the damage to both vehicles, the location of the accident, and any visible injuries. Uninsured motorist bodily injury (UMBI) coverage helps cover the medical bills of you and your passengers if you're injured in a car accident. Optional policies like uninsured or underinsured motorist coverage offer extra protection if the other driver lacks insurance. If you are in this situation, we recommend that you reach out to a San Jose car accident attorney from our firm. You must be a named insured on the auto insurance policy or reside as a relative in the same household to qualify for filing a claim. Whenever you are in a vehicle, there's a risk of being involved in a traffic accident.