If a driver with no insurance, or too little insurance, hurts you, your own policy may step in. Uninsured motorist (UM) and underinsured motorist (UIM) coverage exist for exactly this situation.
What the coverage does
- UM coverage applies when the at-fault driver has no insurance or cannot be identified, as in a hit-and-run.
- UIM coverage applies when the at-fault driver's limits are too low to cover your losses.
- It can cover medical bills, lost income and pain and suffering, up to your own policy limits.
- Some states also allow it to cover property damage.
Is it required?
Some states require insurers to offer it, and some require drivers to carry it, while others let you reject it in writing. Because the rules differ, check your policy declarations page to see whether you have it and at what limits.
Making a claim
- Report the accident to your insurer promptly and to the police.
- Get the other driver's details if possible, or document that the driver left the scene.
- Gather medical records and bills.
- Notify your insurer before settling with the at-fault driver's insurer, since a settlement can affect your rights.
- Keep notes of every conversation.
Disputes
UM and UIM claims are claims against your own insurer, which may still dispute fault or the value of your injuries. The policy may require arbitration or have its own deadlines. An attorney can help if you are not offered a fair amount.
Frequently asked questions
Is UM coverage expensive?
It is usually a modest part of a premium compared with the protection it provides. Ask your agent for the cost of higher limits.
Does it cover me as a passenger or pedestrian?
Often yes, but the policy terms and your state's rules decide.