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You can use uninsured motorist coverage when you are in an accident caused by a driver who does not have liability insurance. Depending on your state, you may also be able to use uninsured motorist coverage to pay for your expenses if you’re the victim of a hit and run.
Using Uninsured Motorist Coverage After a Hit and Run
Most states allow drivers to use uninsured motorist bodily injury (UMBI) insurance to pay for their medical bills after a hit and run, even if the driver remains unidentified. But there are sometimes different rules for uninsured motorist property damage (UMPD) coverage, which pays to repair or replace your car. In states like California and Illinois, policyholders can only use UMPD if the at-fault driver in a hit and run is identified and doesn’t have insurance.
Uninsured vs. Underinsured Motorist Coverage
Uninsured motorist coverage is typically purchased with underinsured motorist insurance, which can be used when you’re involved in an accident caused by a driver who has liability insurance but not enough to cover your expenses. Some states only require you to have uninsured motorist coverage, while others require you to have both uninsured and underinsured motorist insurance.
To learn more, check out WalletHub’s guide to uninsured and underinsured motorist coverage.
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