What makes a driver uninsured or underinsured? Obviously, someone driving without any auto insurance at all would be categorized as uninsured. However, an individual may still be considered uninsured if his or her plan doesn’t allow for full coverage of the injuries for which he or she is legally responsible. Uninsured motorist coverage is intended to protect policyholders — and their passengers — who were injured by the fault of an uninsured individual. If it can be shown that the uninsured party isn’t at fault, uninsured/underinsured provisions of an insurance policy will not apply and the injured party’s may not recover for their injuries under that theory.
If you or a loved one were injured in a motor vehicle accident and the at-fault driver doesn’t have insurance, it’s important to speak to a personal injury attorney in your area to answer your questions and discuss your legal options.