Difference Between Being Hit By an Uninsured and Underinsured Driver

Uninsured vs. Underinsured

Being hit by an uninsured driver and an underinsured driver refer to two different scenarios involving motor vehicle accidents and insurance coverage. Here’s the difference between the two:

• Uninsured Driver: An uninsured driver has no valid liability insurance coverage for their vehicle. When an uninsured driver hits you, the person responsible for the accident does not have insurance to cover your damages or injuries. In such cases, you may have to rely on other options to seek compensation, such as using your own insurance policy’s uninsured motorist coverage (if you have it) or pursuing legal action against the uninsured driver personally.

• Underinsured Driver: Underinsured drivers have insurance coverage, but their policy’s limits are insufficient to cover the damages or injuries resulting from an accident fully. If an underinsured driver hits you, their insurance will typically pay up to their policy limit, but if your damages exceed that limit, you may be left with unpaid expenses. In such cases, you can turn to your underinsured motorist coverage (if you have it) to seek additional compensation up to the limits of your policy.

It’s important to note that insurance requirements and regulations can vary by jurisdiction. The specific laws and coverage options may depend on the state where the accident occurs. Consulting with an insurance professional or a legal expert in your area will provide you with the most accurate information and guidance.

Help from a NY Car Accident Attorney

A car accident attorney experienced with uninsured and underinsured drivers is extremely beneficial. They have expertise in navigating the complexities of insurance policies, negotiating with insurance companies, and representing the interests of their clients in seeking compensation for their damages and injuries.