Uninsured Motorist (UM) coverage is an optional type of insurance you buy on your auto insurance policy to protect you and your family against vehicles that have no insurance. Unfortunately, many cars on Washington state roadways do not have any insurance to cover damages caused in a car accident.
When you’re in a car accident that is not your fault the other car’s insurance is suppose to pay:
- To fix your car
- Pay your medical bills
- Pay your lost wages
- Compensate you for all your harms and losses
When an at-fault driver has no insurance your UM coverage is supposed to step in and take the place of the at-fault party’s insurance. Your UM insurance will pay for all the damages you suffered in the accident caused by the negligence of someone else. (Note that this differs from Underinsured Motorist (UIM) coverage, which covers you if the at-fault driver does not have sufficient coverage to cover your damages.)
UM insurance also covers accidents caused by someone driving a stolen vehicle. A vehicle may have insurance but if it’s been stolen and you’re hit by the car thief, there is an exception and no insurance will apply from the stolen vehicle.
The same is true of an intentional act by another driver, like in a road rage incident. If another car intentionally hits you, the insurance on at-fault car will likely deny payment of any of your damages. Why? Because the collision was intentional which is almost always an exclusion on auto insurance coverage.
If you’re hit by a stolen car or road rage driver you should contact an experienced Washington car accident lawyer as soon as possible. Call us at (888) 230-4970.