Who Covers Costs if You’re Hit by an Uninsured Driver?
If you are rear-ended by someone with no insurance and injured you may be covered. Learn about MetLife’s uninsured motorist insurance.
Q. I was rear-ended last week by someone with no auto insurance, and my wife broke her leg. I don’t think the man who hit me can pay the hospital bills. Am I out of luck?
A. Unfortunately, your situation is not uncommon because there are drivers on the road who don’t buy insurance. But there’s good news if your auto policy included uninsured motorists (UM) coverage. This provision covers your injury-related damages caused by an uninsured driver or by a hit-and-run driver. Similarly, underinsured motorists (UIM) coverage protects you in case you’re injured by a driver who has inadequate insurance. Consider raising your UM/UIM limit to match your BI (Bodily Injury) limit. Call MetLife Auto & Home for limit options and rates.