What do I do if I was hit by someone who doesn't have insurance?


A: You would need to make a claim against your own uninsured motorist (UM) coverage. In essence, you would be making the same claim as you would against the other driver, but you would be making it against your own policy. Your insurance company will not treat you any better just because you are their insured. They will have the same defenses available to them as the other driver would have to use against you. Having an attorney on your side is just as important in a UM claim, maybe more so, because people often let their guard down when dealing with their own company.