If you’re injured in a car accident and bring a claim against the at-fault party, if that party is insured, his insurance company will pay those claims up to their policy limits. In addition, even if he has limited insurance or no insurance, if you have uninsured motorist coverage, that coverage would kick in to pay your claims if you were injured in an accident and the other side had insufficient or no insurance. If you had no uninsured motorist coverage, you could then sue that person individually and try to collect from him individually.