Accidents involving uninsured motorists (drivers with no insurance) tend to be difficult for the insured driver. The insured party will have auto insurance that offers the driver coverage for injuries incurred if they are involved in an accident with an uninsured driver.
The insured driver paid a premium to an insurance company to have an uninsured motorist clause in their insurance. Most drivers opt for this kind of coverage in their car insurance, as the number of drivers on the roads in the U.S. without insurance is quite high, and it is not a stretch of the imagination to think anyone could be involved in an accident with one.
If an accident does happen that involves a negligent uninsured driver, the insurance company will pay the difference between what the uninsured individual can pay and what the injured driver would be entitled to, as if the uninsured person had proper insurance. Some states have made having an uninsured motorist clause in an insurance policy mandatory. Those states include New York, Illinois and Maryland. Typically, uninsured motorists are people driving without liability coverage for the car they are driving. In most states this is illegal, but this does not stop people from driving.
If a person has been involved in a hit and run and the person cannot be identified, uninsured motorist coverage may kick in. If the hit and run driver is identified by their plates, the insurance company may deny an uninsured motorist claim and go to court to pinpoint the registered owner of the car.
There is also a category of driver that, while they do have insurance coverage for their car, it is less than the dollar amount of the victim’s uninsured motorist coverage. This is referred to as an underinsured motorist clause.