If the at-fault driver has minimal or no insurance coverage at all, it is important to know your own levels of coverage. For instance, does your policy include uninsured motorist (UM) or under-insured motorist (UIM) coverage? Does your policy include personal injury protection (PIP) coverage?
These types of insurance coverage are not required by law, but they can help cover your property and injury damages when the adverse driver has little or no insurance coverage. Because you did not cause the car wreck, your rates will not increase if you collect on the extra coverage you’ve been paying over time.
However, it is crucial you contact an experienced personal injury attorney before making an uninsured motorist claim. Having an attorney on your side can help maximize your claims with either or both insurance companies.