Try like
CREATE TRIGGER dbo.uniqueUserQuestion
ON dbo.submit_Answer
INSTEAD OF INSERT
AS
BEGIN
SET NOCOUNT ON
IF EXISTS
(
SELECT 1
FROM dbo.submit_Answer T
INNER JOIN INSERTED I
ON T.user_name = I.user_name
AND T.question_id = I.question_id
)
BEGIN
PRINT 'duplicate'
raiserror('cant submit answer to same question twice')
return
END
INSERT INTO
dbo.submit_Answer
SELECT
*
FROM
INSERTED I
END
GO