UM coverage functions similarly to a claim against the at-fault driver – you must prove the other driver was at fault and that your damages were caused by the accident. The main difference is you're dealing with your own insurance company.
Understanding Uninsured Motorist Coverage
Uninsured motorist (UM) coverage is part of your own auto insurance policy. It pays your damages when the at-fault driver has no insurance. In California, approximately 15% of drivers are uninsured, making UM coverage essential.
Filing Your UM Claim After a Head-On Collision
Notify your insurance company promptly about the uninsured driver and your intent to file a UM claim. Gather all documentation: police report (showing the other driver was uninsured), medical records, and evidence of damages.
Remember that even though it's your own insurer, they will try to minimize your payout. Don't assume they're on your side. Many people benefit from attorney representation in UM claims.
- ✓Report the accident and uninsured driver to your insurer
- ✓Obtain police report documenting lack of insurance
- ✓Gather medical records and bills
- ✓Document lost wages and other damages
- ✓Consider attorney representation for larger claims
Frequently Asked Questions
Will filing a UM claim raise my insurance rates?▼
Generally, UM claims for accidents that weren't your fault should not increase your rates. You're using coverage you paid for when another driver's negligence injured you.
What if my UM coverage isn't enough?▼
You can pursue the uninsured driver's personal assets, though many uninsured drivers have limited assets. This is why carrying high UM/UIM limits is recommended.
What if the uninsured driver fled the scene?▼
Hit-and-run accidents by unidentified drivers are typically covered by UM, but you may need to prove there was physical contact between vehicles (depending on your policy language).
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