What if the negligent driver is uninsured, or has insufficient insurance to fully compensate me?
If your injury resulted from a motor vehicle accident in which the responsible driver was uninsured or underinsured, you may be entitled to benefits providing there was underinsured motorist coverage (UIM) on your vehicle. If there was UIM coverage for the accident, you are entitled to recover those damages you otherwise would have recovered from the at fault and under or uninsured motorist. Your insurance policy cannot be canceled or the rates increased solely because you make a UIM claim.
