Uninsured/underinsured motorist coverage is a type of insurance that you may buy when you purchase your own car insurance. It is designed to protect you when you are involved in an accident caused by a driver who doesn’t have insurance or doesn’t have enough insurance to fully compensate you for all of your injuries. If you purchased it, it provides coverage for you or anyone in your car when your car is involved in a wreck. It also covers you in almost unlimited circumstances as long as you are injured by an uninsured/underinsured driver — it can apply when you are in someone else’s car, while you’re a pedestrian, while you’re riding a bike, or while you’re sitting on your front porch.
Here are some of the most frequently asked questions about uninsured/underinsured motorist claims:
- How Do I Make An Uninsured/Underinsured motorist claim?
- I settled with the other driver. How do I calculate what my UM/UIM insurance company owes me?
- My Uninsured/Underinsured motorist carrier is talking about a credit. What is it talking about?
- My Uninsured/Underinsured motorist carrier is asking for an Examination Under Oath. What’s that?
- Does Uninsured/Underinsured motorist coverage help in hit and run accidents?
- Does Uninsured/Underinsured motorist coverage help when you’re hit while biking or walking (or anything else)?
- What happens if I’m hit by an underinsured or uninsured motorist while I’m in someone else’s car?