How To Protect Yourself Against Uninsured Motorists
CONSIDER BUYING UNINSURED MOTORIST COVERAGE
Uninsured motorist coverage pays for bodily injuries caused by an uninsured motorist or a hit and run driver who is legally responsible for the accident. In most states, it also applies to injuries caused by a motorist whose insurance company is insolvent.
IF AN UNINSURED MOTORIST HITS YOU
Insurance agents and brokers strongly advise that you get the license plate number of the vehicle, name and drivers license number of the driver and the names of any witnesses. Notify your agent about this information immediately so that they can start processing your claim.
If you don't have uninsured motorist coverage, you may be able to use the collision coverage of your policy to pay for damages. If it seems unlikely that the uninsured motorist will pay for any damages, your last resort would be a lawsuit that can be expensive.
THE MOST IMPORTANT:
Whether you buy uninsured motorist coverage or not, the most important is to drive safely, concentrate on a road and traffic and be aware of weather conditions as well as to stay alcohol and drugs free.
