I was in a car accident with an uninsured motorist that was their fault. Is there a standard way my insurance decides on my uninsured motorists settlements?
That depends on the coverage you have. Sometimes uninsured motorists are sued by your insurance and taken to court. In that case, sometimes their wages are garnished to pay your bills and stuff. Other times, the person is such a deadbeat (after all, they didn’t have mandatory insurance), and nothing can be had from them. The best scenario is to have equal uninsured/underinsured motorist coverage on YOUR policy. This ensures that if you are hit by someone without insurance, you will receive the same coverage you have for anyone else. It’s relatively inexpensive and covers your butt.
