What If the Defendant Was Uninsured, or Underinsured?
In these cases, you may still have an “underinsured or uninsured motorist claim,” whereby you make a personal injury claim against your own policy. Once you reach resolution to your underinsured or uninsured motorist claim, your insurance company may decide to sue the defendant for repayment of the money it paid you on your personal injury claim. Your premiums should not increase as a result of your underinsured or uninsured motorist claim, if the auto accident was not your fault.
