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What Is an Uninsured Motorist Claim?
If your vehicle is damaged and the at-fault party is unknown or uninsured, you may be eligible to file an uninsured motorist (UM) claim. Here are common situations where this applies:

🚗 Hit-and-run accident – another vehicle hit your car and drove off without stopping or being identified.
🚘 Parked vehicle damage – your car was damaged while unattended, and you don’t know who caused it.
🛻 Falling object damage – an object fell from a vehicle ahead of you, causing damage, and you couldn’t identify the vehicle.
❓ Unknown cause – your vehicle is damaged, but you don’t know how or who did it.
🚫 Uninsured driver – someone hit your vehicle and does not have auto insurance.
🧾 Uncooperative party – you were in an accident, but the other party refuses to file a claim or accept liability.

Important Tips for Filing an Uninsured Motorist Claim:

✔️ You can file a UM claim even if you only have limited liability coverage.
📍 Note the location, date, and time of the incident.

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