Hit by underinsured driver

If you’re hit by a driver who doesn’t have insurance and you don’t have uninsured motorist coverage, then another option is to sue the other driver. The problem is that people usually chose not to carry auto insurance because they feel they can’t afford www.doorway.ruted Reading Time: 6 mins.  · 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. The hit/run driver was an early 20's male who was driving someone else's (uninsured) car. CHP did not have the manpower to search for registered .

In most cases, it also covers hit-and-run or “phantom vehicle” wrecks where the driver is never found – an unknown driver is uninsured by default. Underinsured Motorist Protection (UIM) —This type of policy kicks in if the at-fault driver has some insurance, but not enough to cover the full cost of your accident. The uninsured motorist coverage is additional coverage that insurance companies offer. The cover protects you when you are in an accident with a driver who has no insurance coverage or if you are involved in a hit and run accident. Some states require UIM coverage for all the vehicles on the road. Use underinsured motorist coverage. If you’re hit by a driver who doesn’t have insurance and you don’t have uninsured motorist coverage, then another option is to sue the other driver. The problem is that people usually chose not to carry auto insurance because they feel they can’t afford it.

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