If the driver who hit you has no insurance, your own UM coverage may be your path to recovery. Here is how it works in Vermont.
The Uninsured Driver Problem
Despite insurance requirements, some drivers carry no coverage at all. When one of them causes your crash, suing them directly may yield little if they have no assets.
Your UM Coverage
Vermont requires uninsured motorist coverage on auto policies precisely for this situation. A claim against your own UM coverage can compensate you up to your policy limits, and it also typically applies to hit-and-run crashes.
Handling the Claim
Because the claim is against your own insurer, it can still be adversarial. Documenting liability and damages as you would in any claim protects your recovery.
Have questions about your own situation? Get a free, confidential case review. You pay no fee unless you win. Call 973-566-5599 or request your review online and a specialist will reach out within the hour.
This article is for general informational purposes only and is not legal advice. For guidance on your specific situation, consult a licensed Vermont attorney.