Learn What to Do If You're Hit by an Uninsured or Underinsured Driver

Posted over 2 years ago. Applies to Virginia, 3 helpful votes

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1

Your Own Insurance Policy May Come in Handy

If you are hit by an underinsured/uninsured driver, you will probably need to utilize the "UM" portion of your own insurance policy. This coverage allows the insurance company to step in as the uninsured/underinsured driver and you will pursue damages against the company. This is why it is so critical for you to not only have insurance, but to have quality insurance that features generous "UM" coverage.

2

Hit and Run Accidents

Accessing your "UM" coverage is not only available for fender benders caused by insured drivers. It is vitally important if you are the victim of a hit and run accident. This is when the at-fault driver flees the scene of the wreck leaving you to fend for yourself. Ironically, some at-fault drivers flee the scene because they know they don't have insurance.

Additional Resources

Read the Full, In-Depth Report on What to Do If You're Hit by an Uninsured/Underinsured Driver Here

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