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Most states require every driver to carry automobile liability insurance. However, some drivers do not comply with this law. If you have suffered a personal injury in an automobile accident with a driver who either does not have insurance, does not have enough insurance, or who was a hit and run driver, you may still be able to recover damages for your injuries under what is known as uninsured motorist coverage. The personal injury law permits you to file a claim with your own insurance company to recover for injuries caused by drivers with insufficient or no insurance. In some instances, before you are able to make such a claim you must fill out a police report describing the accident and promptly report the accident to your own insurance company. In all cases, you should act immediately, because there are time limitations within which you must make your claim or it will be barred. You may wish to seek the advice of a personal injury lawyer who specializes in cases involving uninsured hit and run accidents.