The first step is to contact the other driver's insurance company and let them know you were in an accident with one of their insureds and describe your injuries. This is why it is very important to get the other driver's license and insurance information at the scene of the accident.Uninsured motorist coverage is a part of your policy. If the driver that caused the accident does not have enough insurance to pay for your medical bills and other damages, your insurance may provide additional money to cover your damages. Not all auto insurance policies of underinsured coverage.Generally you have two years from the date of the accident.If you are injured in a car accident, the most important thing you can do is get treatment from a medical professional for your injuries.