If you don't have UM, there is no real option. Unless you waive UM coverage, it'll be equal to liability limits.
Stephen L. Hoffman
Law Office of Stephen L. Hoffman LLC
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We are confused because you are asking if UM coverage will pay BUT you do NOT have UM coverage. So, YES, UM WOULD pay if you had UM coverage. There MUST be evidence of physical contacr for the insurance to pay.
Liability coverage ONLY takes care of the other car/occupants.
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You may be referencing uninsured motorist PROPERTY damage where you have no collision coverage. Make a claim as if you have this coverage, if hit by uninsured driver, even if no collision, you most likely can recover. This coverage is important for those that don't want collision coverage. You should realize how important it is to have adequate coverage. Good luck.