According to an Insurance Research Council report released in 2011, “across the United States, chances are roughly one in seven that a driver is uninsured…”. After an accident with a person who does not have insurance, you may wonder what to do next. Uninsured motorist (UM) protection on your insurance policy could help you.
Uninsured motorist coverage will help pay for injuries to you and any passengers and certain property damage if you are involved in an accident with a driver who does not have his or her own insurance policy. It also may provide coverage if you are in an accident with a hit-and-run driver.
Most states do not require this type of coverage in an insurance policy, and many people may not know they do not have it. Review your insurance policy and consider adding uninsured motorist coverage to protect yourself in the event you are in an accident with someone driving without insurance. You never know when an accident may happen, so evaluate your coverage to decide if you should consider UM coverage.