Even when the other driver is not insured, or in the case of a hit and run, you may be able to collect compensation from your own auto insurance policy.
This is an important form of insurance and it covers you and those who live in your home. It evens covers you when you are a pedestrian. If you suffer a bodily injury due to the negligent actions of an uninsured or underinsured motorist, the UM/UIM coverage can help you.
The coverage is commonly called, "un-insurance" or "under-insurance". These types of coverage also protect injured pedestrians in your household, and people injured by hit and run drivers.
We urge you to purchase Underinsured Motorist and Under-insurance coverages to provide protection against drivers who fail to properly insure their vehicles.
It is not very expensive to purchase this coverage.