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.
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.