What is an uninsured motorist fee? (insurance, attorney, costs)

[KelSmith]

Hi!

So I was recently hit by a car and he did not have insurance on his vehicle. I know that I pay an uninsured motorist fee through State Farm but does anyone know how this works? Any advice would be super helpful.

[BC1960]

Call your State Farm agent.

"Uninsured Motorist Coverage is defined by North Carolina's Department of Insurance as coverage that "will provide protection when an uninsured driver, who is at-fault, injures you or another covered individual. It also provides property damage coverage." Similarly, Underinsured Motorist Coverage is that which provides "protection when an underinsured driver, who is at-fault, causes injury to a covered individual. An underinsured driver is one whose limits of liability are less than your UIM limits, and not enough to cover the losses of the people the underinsured driver injured."

Victims can hold negligent drivers accountable for the costs of an accident through a personal injury suit, and in the case of uninsured or underinsured, drivers recover from the victim's own uninsured/underinsured policy."

[ucctgg]

Originally Posted by KelSmith

Hi!

So I was recently hit by a car and he did not have insurance on his vehicle. I know that I pay an uninsured motorist fee through State Farm but does anyone know how this works? Any advice would be super helpful.

That's what you pay an insurance agent for.

[KelSmith]

Yes ucctgg I know that but when I call I cant get a good answer from my agent so was wondering if anyone else had advice or been in a similar situation

[BC1960]

Originally Posted by KelSmith

Yes ucctgg I know that but when I call I cant get a good answer from my agent so was wondering if anyone else had advice or been in a similar situation

In that case I'd talk to an attorney, asap.

[twingles]

You have coverage through your insurance policy. It is not a "fee" you pay it is part of your premium. If the person is truly uninsured, you file a claim and it's handled through that coverage.

It is truly scary that a State Farm agent can't explain this to you. If you deal with someone in the agency and not the agent him or herself, you should let them know that this basic coverage was not able to be explained to you.