Uninsured, underinsured motorist claims are claims that are basically first party claims. And what that means is they’re coverage that you’ve either purchased or somebody in your family’s purchased, and they’re there in the event that somebody else on the road causes a collision and doesn’t have insurance at all, or they have inadequate insurance. And that means just insufficient insurance to pay the medical expenses that arise out of that incident. Now, underinsured, uninsured motorist coverage is required to be offered at the time of sale and insurance companies are required not only to offer that coverage, but offer it in amount up to whatever liability limits you purchased from them. So it’s really important to have a lawyer review your coverages and get a copy of your declarations page and a certified copy of your policy to know exactly what coverages you have so they can give you the advice of how to maneuver the claims process in accordance with best practices.