Blog What Happens if an Uninsured Motorist Hits You?

What Happens if an Uninsured Motorist Hits You?

Written by Talbot Buys—Sales Representative

July 25, 2018 · Personal Lines, Car Insurance, Motorcycle Insurance

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It’s a beautiful morning. You are feeling carefree and sipping coffee while making your morning commute. Then, out of nowhere, it happens… you are involved in a car accident that was not your fault. Your car is left in pieces and your head is still spinning. There’s a sharp pain in your back from the impact and you realize you’ve been injured. The ambulance arrives and takes you away, where you spend 2 nights in a hospital.

As the story unfolds, you find out the other motorist who hurt you and damaged your property doesn’t have insurance. But where does this leave you? Who is going to pay for your ambulance ride, medical bills, and damaged vehicle? Luckily, you purchased uninsured motorist coverage. This coverage protects you from irresponsible drivers. If you are in an accident that is not your fault and the other party doesn’t have insurance or enough insurance to cover your losses, uninsured motorist coverage steps up to fill the void. Coverage is limited and a small deductible applies to property damage losses. Call us today to discuss your uninsured motorist limit.