What are the limits on my ability to collect under an uninsured/underinsured motorist provision?
UM coverage usually limits your ability to collect — and the amount you receive — as follows: If your accident involves a hit-and-run driver, you must notify the police within 24 hours of the accident. If your accident involves a hit-and-run driver, the driver’s car must have actually hit you — being forced off the road by a driver who disappears is not sufficient. Your UM coverage will be reduced by any amounts you receive under other insurance coverage, such as your personal medical insurance or any applicable workers’ compensation coverage. If you or a relative are injured by an uninsured motorist while you are in someone else’s car, your UM coverage will be secondary to the UM coverage of that other car’s owner. Copyright © 2002 Nolo DISCLAIMER: This site and any information contained herein is intended for informational purposes only and should not be construed as legal advice. Seek competent legal counsel for advice on any legal matter.
