Know what to do when the driver who hits you doesn’t have enough liability, or, even worse, takes off.
If you’ve been hit by another driver, and it’s their fault, you’d normally file a claim with the at-fault driver’s car insurance company, get your car repaired, and be off with no out-of-pocket expenses to you. But, in some cases, the person that hits you doesn’t have enough coverage or doesn’t have any insurance at all. If you don’t have uninsured/underinsured coverage and this kind of accident happen to you, you’ll have to pay out-of-pocket for the damages and medical expenses not covered by the other driver.
Uninsured vs. Underinsured Coverage
Uninsured motorist coverage protects you if you’re in an accident with an at-fault driver who does not carry liability insurance or any kind of insurance.
Underinsured motorist coverage steps in when you’re in an accident with an at-fault driver whose insurance does not cover the costs of the damages they caused.
What they may cover:
Uninsured/Underinsured bodily coverage (UMBI):
- Medical expenses
- Lost wages
- Your injuries, plus those of your passengers
Uninsured/Underinsured property coverage (UMPD):
- Damage to the car in an accident with an uninsured or underinsured driver. Unlike UMBI, however, it does not protect against hit-and-runs.
For information on what happens when an uninsured or underinsured driver hits you and what it will mean for your car insurance, contact Lou Aggetta Insurance Services in Pleasant Hill, California. As an independent insurance company, we are here to help with all of your auto insurance needs to ensure you have the coverage you deserve at all times.