Uninsured motorist coverage – What happens if I, or a family member, become injured as the result of the negligence of a driver who has no insurance or has very low limits of insurance coverage?
Unfortunately, this is a very common situation. However, all is not lost if you or a family member living with you in your household owns an automobile that has uninsured motorist (“UM”) coverage. You can make a claim under that policy if you were injured by a motorist with no insurance, or were involved in an accident with a hit and run “phantom” vehicle. We can assist you in pursuing a UM Claim under your policy. After the claim against your insurance company is settled, the company will then sue the uninsured driver (if the identity is known) for reimbursement. As to any accident with a motorist who has very low limits of insurance coverage, if your automobile policy includes underinsured motorist coverage (“UIM”), your insurance company will make up the difference between the other driver’s policy and yours – providing your limits of UIM coverage are greater. TIP: Check your automobile insurance policy and make sure that you have adequate UM and UIM coverage. Keep in mind that if y
