Yes, uninsured motorist (UM) insurance coverage protects you when a motorist leaves the scene of an accident. UM coverage is a type of auto insurance that protects you if you are injured in a car accident by an uninsured or underinsured driver. An uninsured driver is someone who does not have auto insurance, while an underinsured driver is someone who does not have enough auto insurance to cover the full extent of your injuries.
If you are involved in a hit-and-run accident, you can file a UM claim to recover your damages. To file a UM claim, you will need to provide your insurance company with as much information as possible about the accident, such as the date, time, and location of the accident, as well as a description of the at-fault vehicle. You should also try to get the license plate number of the at-fault vehicle, if possible.
If your UM claim is approved, your insurance company will pay for your medical expenses, lost wages, pain and suffering, and other damages up to your policy limits.
How to get uninsured motorist coverage
If you do not already have UM coverage, you can purchase it from your auto insurance company. UM coverage is typically available as an add-on to your existing auto insurance policy.
How much UM coverage should you have?
The amount of UM coverage you need will depend on your individual circumstances. However, it is generally recommended that you have at least as much UM coverage as you have bodily injury liability coverage.
For example, if you have $100,000 in bodily injury liability coverage, then you should also have $100,000 in UM coverage. This will ensure that you have enough coverage to pay for your expenses if you are injured in an accident by an uninsured or underinsured driver.
Conclusion
UM coverage is an important type of auto insurance that can protect you financially if you are injured in an accident by an uninsured or underinsured driver. If you do not already have UM coverage, you should consider purchasing it from your auto insurance company.
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