How much coverage you would have would depend on how much coverage you purchased from your insurance agent.
If you are hit by another driver that leaves the scene of the accident, a hit and run, your uninsured motorist coverage from your own insurance coverage will pay you damages.
The damages you are entitled to are calculated the same as if the person who was responsible for the accident had liability insurance, therefore, it is a very good idea to have a personal injury attorney help you make a claim for uninsured motorist to make sure you receive fair compensation.
It is important to note that making a claim against your own uninsured motorist’s coverage doesn’t affect your future insurance premiums like an at-fault accident would.
RS Law recommends that you have adequate uninsured motorist coverage and consider purchasing amounts well over the minimum of $25,000. Unfortunately, your uninsured motorist coverage cannot be increased after an accident and apply to the accident. You will only have the limits available at the time of the accident to compensate you for your injuries and associated damages.
RS Law has experience working with uninsured motorist insurance companies and if you have been in an accident with an uninsured driver contact us to discuss what your options may be.