Hit by uninsured driver claim

 · UM or UIM protection is for when drivers without insurance or enough liability coverage hit you. This coverage pays for car repairs, property damage and medical bills. Based on our research, adding UM and UIM coverage to your policy adds approximately $20 a month to your insurance bill. File a claim via your uninsured motorist coverage; File a personal injury lawsuit against the uninsured driver; Since no one wants to pay out of pocket for expenses, that is not usually an ideal option. Using your uninsured motorist coverage might be a good option. Many people are unaware of this coverage, but most do have it by default.  · . Unfortunately, recovering the cost of your deductible, if the other driver is uninsured, is up to you. I would definitely recommend asking to speak with a supervisor at your insurance company to see if you have any other options available, but you may have to pay the deductible simply to start the repair process.

Three steps to take after being hit by an uninsured driver 1. File a police report You need to start by filing a police report. While you're waiting for the police to arrive at the scene of the accident, get as much documentation as possible. Insurers in certain states will raise premiums by 2% to 10% (roughly $30 to $ per year) after an uninsured motorist claim, although the specific rise varies widely between states and insurers. It’s important to note that an uninsured motorist claim will raise premiums much less than a collision claim. Underinsured Driver Coverage. Underinsured driver coverage comes into play when you are hit by a driver is deemed at fault for the crash, but whose liability insurance policy limits won't cover your medical bills, your pain and suffering, and other losses stemming from the crash. In that situation, you would make a claim against your own insurance company up to the limit of your underinsured motorist coverage, but only if your underinsured driver coverage is greater than the negligent driver.

You may be able to claim compensation from the Motor Insurers' Bureau (MIB) if you've been injured or your property has been damaged because of an uninsured. Please note, you must report a phantom vehicle accident to the police within 72 hours if you're making an auto insurance claim. What to do if you don't have. If an uninsured driver hits you it doesn't mean you won't be able to make a car insurance claim. And with comprehensive car insurance you.