Your Coverage Options
When hit by an uninsured driver:
• Your UM (uninsured motorist) coverage on personal policy
• UM coverage from rental company if purchased
• CDW/LDW for vehicle damage (regardless of fault)
• Health insurance for medical costs
• Collision coverage on personal policy
These sources can provide recovery even without the other driver's insurance.
• Your UM (uninsured motorist) coverage on personal policy
• UM coverage from rental company if purchased
• CDW/LDW for vehicle damage (regardless of fault)
• Health insurance for medical costs
• Collision coverage on personal policy
These sources can provide recovery even without the other driver's insurance.
UM/UIM Coverage Explained
Uninsured motorist coverage:
• Steps in when at-fault driver has no insurance
• Covers your injuries up to policy limits
• May cover property damage depending on policy
• Is part of your personal auto policy
• Limits vary by policy
This coverage is critical for protection against uninsured drivers.
• Steps in when at-fault driver has no insurance
• Covers your injuries up to policy limits
• May cover property damage depending on policy
• Is part of your personal auto policy
• Limits vary by policy
This coverage is critical for protection against uninsured drivers.
Pursuing the Uninsured Driver
You can still sue the at-fault driver:
• They remain personally liable
• Judgments can be collected over time
• Wages may be garnished
• Assets may be reached
However, recovery may be limited if they have no assets.
• They remain personally liable
• Judgments can be collected over time
• Wages may be garnished
• Assets may be reached
However, recovery may be limited if they have no assets.