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Uninsured/Underinsured Motorist Coverage |
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1. Uninsured Motorist Insurance and Pedestrians |
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Learn more about the protections offered you as a pedestrian on your insurance policy and any exclusions which may apply. As with any claim, be sure to file your police report first then report the accident to your insurance agency complete with a police report number. 2. Am I Covered for a Hit-and-Run? Your uninsured motorist coverage may offer you the usual lost wages, hospital bills and property damage. The terms of your policy may exclude punitive damages and you may be required to pay the deductible if the hit-and-run driver can't be identified. It's very important to try to get a licence plate number or other identifying information from a hit-and-run accident. Those who don't carry uninsured motorist coverage in hit-and-run cases are often left with no compensation at all unless they can track down the driver and take them to court. This scenario is another important reason to protect yourself with the right policy in cases of uninsured motorist liability for an accident. |
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