If you are hit by an uninsured motorist (or an underinsured motorist) who is at fault in the crash, you could technically sue the uninsured driver but generally it is not worth it because if he or she has no insurance, they probably don’t have any assets or income from which to pay your claim. In this case, your own uninsured/underinsured motorist coverage (UM) that you should be carrying on your own policy may apply.
A follow up question we often hear is: what is adequate UM coverage? In our opinion, a minimum of $250,000 per person/$500,000 per accident, regardless of the number of people injured. CHECK YOUR OWN AUTO INSURANCE POLICY NOW TO MAKE SURE YOU HAVE ADEQUATE UM LIMITS!
Uninsured motorist coverage is typically inexpensive so it is a wise idea to make sure you have adequate coverage before an accident occurs.
