Discover crucial steps after a car crash with an uninsured driver. Learn your rights, insurance options, and how to protect yourself legally.This guide aims to provide vital information to victims of uninsured motorist accidents, empowering them to navigate the legal complexities! If the atfault driver is underinsured or uninsured, the crash victim will have to try to collect whatever they can from them. Uninsured motorist ("UM") coverage in New York State is mandatory. Traditionally, an uninsured motorist claim could be made if the tortfeasor was uninsured;. Stay calm and call the police to document the accident. Victims of hit-and-run accidents can recover financial compensation up to their applicable coverage limits even when the offending driver is never identified.