Uninsured vs Underinsured Motorist Coverage

Do you know how your policy will cover you for a Hit and Run accident? Check out this latest video to learn more about your policy.

[SpynCycle]

Anyone relying on this video better read their policy close to see exactly what would be covered in their state. Every uninsured/underinsured policy I've ever read, only covers bodily injury claims. All property damage is not covered by uninsured/underinsured policy, but instead would be covered by the Collision portion of the policy.
Also, to collect on the uninsured/underinsured policy, you need to sue the other driver, and your own insurance company will defend the other driver, forcing you to work to prove the other driver is responsible. I've personally seen that happen in a court case.

[kinistonjames]

What if a driver in the same household (a relative) was not excluded, not listed and causes an accident with your vehicle with "UM" Coverage ? (At fault)
Would the insured vehicle's policy cover damages for the other party (not at fault) ?
In the State of Georgia

[lindsayhengehold]

Both types of these coverages are vital to have

[joycestrickland]

Bottom line a law should be put forward to penalize Uninsured and Underinsured motorist especially if they aren't following the state law on the amount of required coverages on their policy. Insured motorist that have State Law required amount coverage are the ones paying for the damages with increases on their policy as a result and a required deductible. This coverage for Uninsured and Underinsured coverage has increased substantially with Allstate. In 2013 Uninsured and Underinsured on policy was $69.76 every six months now starting in 2023 Allstate is charging $269.54 for this coverage in a six month period. It's no wonder there's been an increase with coverage and consequently an increase in Uninsured and Underinsured Motorist .

[estegueydijo....]

so i have to pay for other's responsibility. And since state laws required insurance coverage, now insurers want to act like government agencies with high prices.

[Tekevin]

Does anyone know if UI/UM insurance protect your passenger as well?

[colettedubose]

Can I use Uninsured/Underinsured Motorist Bodily Injury of someone hit and run? I dont have the car license plate or information due to car was parked on the street

[AlexSTR]

Well, can I sue the person who can't cover my damages and injures then? The person who obligated by law to have an auto insurance policy but still obtained license plate and drives? How is this country works?

[lvcoy]

Hi! I liked the video, the info and animation was great! I would share it at work but the music is kind of distracting and I know that is what they would focus on. You really do not need it going in the background like that. Otherwise great job!

[marcusprado]

Let’s talk about that sleazy asss music lmao who else was high for 3 minutes and 32 seconds?

[yodhangzien]

There is no money to buy!! Price to high