What am I caovered for in uninsured medical when I am injured

I am sorry to hear about your accident.  You do not "need" an attorney to negotiate with the insurance company or even to file a lawsuit. However, you may decide you want an attorney, depending on how comfortable you are handling this matter and depending on how difficult the insurance company is.   To find a reputable lawyer in your area you can look on this website, you can search on www.martindalehubbel.com, you can ask friends and family in your area, and you can consult the phonebook. First of all, you will only be covered with uninsured motorist coverage if YOU have uninsured motorist coverage.   If you do not and the other person is uninsured, then there is no uninsured motorist coverage available to you.  It is important to note that uninsured motorist coverage is to protect YOU when you are involved in accidens with other motorists who have no insurance or less insurance than you.  It is, in my opinion, the most important type of auto insurance.   If you are unsure of whether you have uninsured motorist coverage, you should consult your auto policy and/or your insurance company.  Regarding your medical coverage, it is likely just limited to reimbursement for medical expenses.  You will likely need to collect your medical bills and submit them to the insurance company for reimbursement.  However, I do recommend that you find out exactly what all coverage you have (contact your insurance company) and then read, from front to back, your auto insurance policy.  It should explain exactly what is or may be covered.   Best of luck! NOTE:  This response is general in nature and should not be considered legal advice.  No attorney-client relationship exists or is formed by this response.