Driver who hit me is uninsured

Uninsured Motorist Insurance (UM) — Sometimes called Uninsured Motorist Bodily Injury (UMBI) insurance, this policy covers medical bills, lost wages, pain and suffering, and other costs for you and your passengers when the at-fault driver in a crash is uninsured. In most cases, it also covers hit-and-run or “phantom vehicle” wrecks where.  · Steps to Take After You’re Hit by an Uninsured Driver. Whether the driver who hit you had insurance or not, it’s important to take steps to protect your health and your rights at the scene of the accident. Follow these steps before you leave the scene of the car accident. 1. File a police report. Call the police and file an official report.  · But if it is determined that the driver that hit you was uninsured, then an uninsured motorist claim is filed with your insurance carrier. What is Uninsured Motorist Coverage (UM)? Both Missouri and Illinois require vehicle owners to carry a minimum of $25, per person and $50, per accident for uninsured motorist coverage.

If you get into a car accident with an uninsured driver, the first and best place to turn for compensation for your injuries is the uninsured motorist (UM) coverage of your own car insurance policy. Of course, if you don't have UM coverage (it's not required in most states), you still have options, but your prospects for getting a complete financial recovery for your losses probably aren't very good. Uninsured Motorist Insurance (UM) — Sometimes called Uninsured Motorist Bodily Injury (UMBI) insurance, this policy covers medical bills, lost wages, pain and suffering, and other costs for you and your passengers when the at-fault driver in a crash is uninsured. In most cases, it also covers hit-and-run or “phantom vehicle” wrecks where. UM or UIM protection is for when drivers without insurance or enough liability coverage hit you. This coverage pays for car repairs, property damage and medical bills. Based on our research, adding UM and UIM coverage to your policy adds approximately $20 a month to your insurance bill.

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