If a vehicle hits your car and they have no insurance, don’t despair…..there is hope.
If you have uninsured motorist bodily injury and physical damage in your auto insurance policy, you have coverage.
It is the law in the state of Washington to have an active liability insurance policy en effect before you get behind the wheel. I am sad to say not everyone obeys the law. Of every car on the road, 30% are not insured.
To mitigate the cost to the driving public, the insurance industry created this coverage. If someone hits you and they have no auto insurance, or their coverage is less than yours, uninsured/underinsured motorist bodily injury and property damage will step in. Your insurance company will restore your vehicle and pay your medical expenses to your policies limits. Depending on your company, there might be a deductible.
If you have personal injury protection and collision coverage on your policy, they can do the same but possible at lower coverage limits and higher deductible.
So, check your coverages, see if you have Uninsured/underinsured motorist coverage, drive defensively and stay safe out there.