Uninsured Driver Car Wrecks

Answer:

The other day, we had a prospective new client come in and she had been involved in a car wreck with an uninsured driver, meaning there was an auto incident where she was injured through no fault of her own. The problem was the person that hit her did not have insurance. As a general matter, when you are seeking out insurance and when you are purchasing insurance, there is an additional coverage that you can purchase called, UM/UIM, which stands for uninsured or underinsured motorist coverage. That coverage, and the limits you get to decide effectively dictates or covers you for any incidents that you may be involved in with an uninsured driver. Therefore, if you are pursuing a claim against an uninsured driver, the first thing to do is to look to your own insurance policy and ascertain whether you have coverage for the incident.