Uninsured motorist insurance coverage can help protect the person that has been injured due to the negligent driving of someone who does not have car insurance.
Here are a few examples of when this uninsured coverage (often called UM by your insurance agent) may apply:
Scenario 1: You are a driver or passenger in a vehicle that was hit by another vehicle where the driver does not have car insurance. Your injuries may be covered by your own car insurance, whether or not you were the driver of the vehicle that was hit or not.*
Scenario 2: You are riding your motorcycle or bicycle and are struck by a vehicle where the driver does not have car insurance. Your own car insurance may cover your bodily injuries for this type of collision.*
Scenario 3: You are walking down the sidewalk and a driver, who does not have insurance, hits you. Your own car insurance may cover your bodily injuries for this type of situation.*
*Please note every case is different and most insurance policies are different as well. Therefore you should consult an attorney immediately regarding a potential claim.