Understanding Your Rights Against Uninsured & Underinsured Motorists

Your insurance company is required by law to offer uninsured motorist coverage as part of every automobile policy written unless you specifically decline it in writing. Coverage is usually designated on the declarations page of your automobile insurance policy by the letter or letters "U" or "UM."

When you purchase uninsured motorist coverage as part of a policy, it affords coverage for you and all family members who reside in your household. If you have any questions about what should be included in your policy, give us a call at 239-298-8375.

Who can make a claim against an uninsured motorist auto insurance policy?

You do not have to be an automobile driver or passenger to be eligible for UM benefits. Your automobile uninsured motorist policy applies even if you were a pedestrian, bicyclist, motorcyclist, or bystander, so long as the motorist who caused your injuries was uninsured or underinsured.

Your uninsured motorist coverage also benefits other passengers or allowed drivers in your car whom an uninsured or underinsured driver injures. For more information or to discuss your potential case, call us today at 239-298-8375.

When can I make a claim against an uninsured motorist auto insurance policy?

Uninsured motorist vehicle coverage comes into play whenever the insured is injured by an uninsured or underinsured driver (does not have enough insurance to pay for the damages caused). Regarding a claim for injuries, an uninsured driver includes a hit-and-run driver, so long as there is some actual contact from the hit-and-run driver's vehicle. (Note: However, an unidentified hit-and-run driver is not considered an "uninsured motorist" for the purpose of damage to your car.)