If you were hit by a driver who didn’t have liability insurance at the time of the accident or whose insurance coverage cannot fully compensate you for all your losses and expenses, you might be entitled to turn to your own auto insurance policy for compensation. You have the option of purchasing uninsured and underinsured motorist coverage when you take out an auto insurance policy.
The language of most policies states that you are entitled to coverage when you are involved in an accident with an “auto” or a “motor vehicle.” Policies define what kinds of vehicles are considered an “auto” or “motor vehicle” that triggers coverage. If you were hit by a qualifying vehicle operated by an uninsured or underinsured driver, you might be entitled to file a UM/UIM claim with your insurer, even if you were not traveling in your insured vehicle at the time you sustained harm.