How does a plaintiff collect damages in an underinsured motorist case?

If you have uninsured motorists coverage your insurance company will pay for your damages up front then handle the whole thing for you. Under UM coverage they also pay for the cost of all legal fees involved with getting a judgement and in collecting from the person At Fault. If you have no UM coverage then the entire affair is up to you and you will bear all costs involved. It may take many years to handle the process and the cost may exceed the benefit depending on the entire accident.