Most of us are responsible drivers who have at least the minimum insurance coverage required by state law. When you’re injured in an accident, you hope that the person who hit you is also properly insured. In situations where the other driver has failed to maintain adequate insurance, your best option is to make an Uninsured Motorist claim under your own insurance policy.
The first step in making an Uninsured Motorist claim is to find out whether or not you have this option in your insurance policy. As Uninsured Motorist coverage is not required by law, many individuals unfortunately decide not to pay for this type of coverage.