What Happens If You Get Hit By Someone Without Insurance?

Updated October, 2020
Get cheap insurance quotes, today!
Our team will help you find the lowest insurance prices.
Get Started →

If you get hit by someone without insurance, your car's damages aren't covered. This leaves you vulnerable to out-of-pocket expenses. Add uninsured motorist coverage or collision coverage to your auto policy to protect you against these damages.

Am I covered if I get hit by someone without insurance?

With a basic insurance policy, not-at-fault accidents with an uninsured driver aren't covered. You're subject to pay for any damages sustained out-of-pocket.

You're only covered if you've got uninsured motorist coverage (UIM) or collision coverage added to your auto insurance policy. Both of these policies protect you from uninsured drivers and hit-and-run situations.

What's uninsured motorist coverage?

Uninsured motorist coverage is an extra policy that you purchase in addition to your liability coverage or full coverage. This policy pays for damages caused to your car by an uninsured driver. It also includes medical bills if you're hit while walking or cycling.

Some states require you to have UIM as apart of your minimum coverage.

How much does uninsured motorist coverage payout?

Your UIM typically provides the same coverage limit as your liability coverage. If your liability coverage insures you for up to $64000, your UIM generally has the same limit.

However, you choose your coverage limit on your uninsured motorist policy with Liberty Mutual. Contact Liberty Mutual to get your quote, today!

What does uninsured motorist coverage cover?

UIM includes coverage for the following:

  • Bodily injury to you and/or your passengers
  • Damages to your car
  • Damages to your property

How much does uninsured motorist coverage cost?

On average, this policy is very affordable, costing around $65 per year. However, the price of your uninsured motorist coverage policy depends on which state you live in. Some states are statistically known to have a higher amount of uninsured drivers, thus coverage costs are higher.

What is collision coverage?

Collision coverage protects your vehicle from damage caused during not-at-fault accidents. It can be added to your existing policy.

It's automatically included if you've got full coverage insurance, which also provides liability and comprehensive coverage.

How much does collision coverage payout?

Collision coverage reimburses you the money spent on the repairs for your car, minus your deductible. On average, it covers expenses up to $500-$10000, excluding coverage for the following:

  • Property damage
  • Medical bills

How much does collision coverage cost?

On average, collision coverage costs $290 per year. Cheaper rates are available when you apply for discounts with your auto insurance company.

Allstate allows good students to save up to 25% on their auto insurance rates. Contact Allstate to get an easy quote, today!

How to make a claim after being hit by an uninsured driver

Making your insurance claim is quickly done with these simple steps:

  1. Call the police and report your accident. You're given a report to fill out that validates the authenticity of your accident.
  2. The uninsured driver may offer you money to cover your car's damages. If so, decline the offer as accepting money for the damages affects your insurance claim.
  3. Swap information if possible because your insurance provider needs this information. Skip this step if you've experienced a hit-and-run.
  4. Write down the events of the accident while they're fresh in your mind.
  5. Take pictures and document the damage done to your car.
  6. Once you have all of the necessary information about the accident, call your insurance provider as soon as possible. You've got a 30-day window to make your claim. The sooner you do this, the sooner your claim is processed.

Reasons to add UIM or collision coverage to your policy

Are these additional policies worth it? These policies are perfect for people who want to upgrade their coverage for certain reasons, such as the following:

  • Your state's minimum liability coverage is too low
  • Your car's expensive and you don't want to pay out-of-pocket for repairs
  • You want to be protected from hit-and-runs
  • You want to be covered as a pedestrian if you're hit by a car
  • You want to be sure you're covered against uninsured drivers

Get the best UIM and collision coverage rates, today!

Get instant quotes tailored to your needs - fill out our short form, today!

Get cheap insurance quotes, today!
Our team will help you find the lowest insurance prices.
Get Started →