Where does this leave you? This person potentially has damaged your vehicle, caused bodily harm to you and maybe a passenger. If they have no insurance coverage you are out of luck and will be stuck with the cost. The very best you could do is levy a law suit against the at fault party - which will cost more money out of pocket.
Enter Un-insured (UI) and Under-insured Motorist Coverage (UIM). The UI/UIM coverage typically covers bodily injury of driver and often passengers of your vehicle in the event that you are hit by an uninsured driver/vehicle whose at fault. In some states this coverage is extended to property damage to include your vehicle. This coverage typically costs on average $3-$5 per month. The extreme affordability of UI/UIM makes this a no brainer. In our agency, we automatically include UI/UIM on every policy that we quote and issue and strongly advise against waiving this coverage.
Stickler Webb Insurance is an independent insurance agency with offices in Show Low, Safford and Sierra Vista, Arizona. Please visit, www.sticklerwebb.com for more information.