In order to collect under uninsured motorists coverage, three specific conditions must be in effect. They are: a. another motorist was at fault; this motorist has no available insurance coverage; and damages were incurred. b. another motorist was at fault; this motorist has insurance coverage; and damages were incurred. c. you were at fault; the other motorist has insurance coverage; and damages were incurred. d. you were at fault; the other motorist has no available insurance coverage; and damages were incurred. e. either a or d