Unfortunately, there are many people who wind up in a car accident with an uninsured motorist. Property damages are usually paid, but when the motorist is uninsured, the burden of replacement can fall square on the shoulders of the no-fault party. Uninsured motorist coverage takes care of this problem. Uninsured motorist insurance will cover property damages up to the amount stipulated in the policy language, and up to the liability amount the uninsured motorist is responsible for. If the accident it 100% percent their fault they will pay 100% of the damages. (Or up to the policy limit. Whichever is higher) If the owner of the insured motorist policy is found to be 25% responsible, and the uninsured motorist is found to be 75% liable, the policy will cover 75% of the damages or up to the policy limit. Uninsured motorist coverage is available in all states and is mandatory in some.