If a driver hits you and does not have insurance (“uninsured motorist”), or has insurance but it is not enough to pay for all of your damages (“underinsured motorist”), then you will have to seek recovery under your own uninsured/underinsured motorists provisions of your insurance policy.
Uninsured/underinsured insurance coverage is not mandatory however, and not all policies have this type of insurance. If you do not have this type of insurance and get into an accident with an uninsured, or underinsured motorist, your insurance policy will not cover any of these costs or expenses. For this reason, it is wise to consider purchasing the uninsured/underinsured motorist coverage through your auto insurance company. Recovering in these situations may seem difficult, but can be handled with positive results with the right knowledge and skill.
In many cases, your insurance company will refuse to cover the full cost of your damages, and for this reason it is important to consult an attorney that can negotiate on your behalf and help you to recover what you deserve. If you have been in an accident and have been injured, please contact The Accident Guys for a free consultation, and protect your rights.