If you are involved in an accident with a negligent driver that does not have enough insurance you may still recover for your injuries through your own insurance policy.  This coverage, which is required in Minnesota, is known as underinsured motorist coverage. In this situation, your own car insurance company steps into the shoes of the at fault driver and pays for your damages that exceed the value of the at fault drivers insurance. You still need to show that the other driver was more at fault for the accident than you, and you still need to show that you have a serious injury. Your insurance rates will not go up if you have to use this coverage.