If someone with no auto insurance slams into your car, what happens? The short version is that hopefully, you have a low comprehensive deductible and you also have Uninsured Motorist coverage.
When you are in a wreck and it is the other driver's fault, their insurance pays to fix your car, to rent you a car while your car is being fixed and to pay for your bodily injury and the bodily injury of your passengers. If the at fault driver has no insurance, and if you have Uninsured Motorist coverage, it will pay for your bodily injury and your passenger's bodily injury. Your only other recourse in this situation would be to go after the at fault driver in civil court.
Uninsured Motorist coverage varies from state to state. Some states will only offer Uninsured Motorist bodily injury, which does not pay to fix your vehicle when damaged by an uninsured driver. Some states will offer both UM bodily injury and UM property damage.
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