If you are hit by an uninsured driver, first contact your car insurance company to understand your rights and coverage options. Insurance products like auto medical payments, uninsured motorist coverage, and rental reimbursement can provide assistance for medical expenses and vehicle repairs. It is advisable to review your insurance policy beforehand to know your coverage and options in such situations.

1. Hit by an Uninsured Driver?
Here’s What to Do
PoliSeek Insurance Search Engine
PoliSeek lets you shop various insurance carriers' rates and instantly receive
quotes on varying insurance products and coverages. While you are retrieving
your instant auto insurance quote, check into the other products PoliSeek can
offer you. You may able to save money by taking advantage of multi-policy
discounts. Whatever your insurance needs, we have you covered.

2. First Things First
After exchanging information with the other driver and getting a
police report, the next thing you should do after being hit by an
uninsured driver is call your car insurance company. Your
insurance company can assist you by letting you know what
your rights are and what kind of coverage you’re entitled to.

3. Auto Medical Payments Coverage
Many insurance policies include Auto Medical Payments
coverage to protect customers from uninsured drivers. Auto
Medical Payments coverage exists to pay medical bills
associated with your injury, regardless of liability.

4. Uninsured Motorist Coverage
Uninsured Motorist coverage may be available to help cover
medical expenses, lost wages, and replacement services such
as childcare and housekeeping services.

5. Auto Collision Coverage
Your insurance policy’s collision coverage can be used to
cover the cost of repairing any damage to your vehicle. But,
unless you have the Collision Deductible Waiver (CDW)
coverage, you will likely have to pay the deductible.
Even vehicles without collision coverage may be eligible for
Uninsured Motorist Property Damage (UMPD) coverage, which
provides a limited amount of coverage for your car if you’re hit
by an uninsured vehicle.

6. Rental Reimbursement Coverage
Many car insurance policies include rental reimbursement coverage,
which can be used even if you’re hit by an uninsured driver. Rental
reimbursement coverage usually only covers up to a certain dollar
amount a day (usually $20, $30 or $50) and can only be used for a
predetermined period of time (usually 30 days).

7. Your Medical Insurance Policy
You may be surprised to know that your medical insurance
company may be available to help if you were hit by an uninsured
motorist. If you were hit by an uninsured driver, call your
health insurance provider after calling your car insurance company.
Your health insurance provider can tell you what, if any, coverage
you are eligible for.

8. Protect Yourself from Uninsured Drivers
The best time to think about what you will do if you’re hit by an
uninsured driver is before it happens. Because car insurance
policies can vary widely – and policies differ by state – it’s important
to know exactly what you’re covered for so that you’re not surprised
after an accident happens.
To shop for an auto insurance policy that best meets your needs,
contact a PoliSeek representative today.

9. PoliSeek
Disclaimer: This content is offered for educational purposes only and does
not represent contractual agreements. The definitions, terms and coverages
in a given policy may be different than those suggested here and such policy
will be governed by the language contained therein. No warranty or
appropriateness for a specific purpose is expressed or implied.
PoliSeek AIS Insurance Solutions, Inc., CA insurance license #0F51713

10. PoliSeek
Contact Us
PoliSeek provides you with competitive rates from multiple
insurance companies in order to find you the best combination of
price and coverage
• Visit the PoliSeek website to search for insurance quotes
• Take a look at the PoliSeek insurance blog
• Contact us if you have insurance questions. Representatives are
standing by:
– Sales: 866-540-7335
– Service: 866-500-7335
– Español: 866-490-7335
• Connect with us on the PoliSeek Facebook Page
• Follow the PoliSeek Twitter channel for new content updates
PoliSeek is a registered service mark of PoliSeek AIS Insurance Solutions, Inc., CA insurance license #OF51713