An uninsured motorist is someone who does not have automobile insurance coverage at the time of an accident including hit and run drivers.

• Definition: An uninsured motorist is a driver who does not have liability coverage at the time of an auto accident. This can include a vehicle that is operated by am unidentified hit and run driver who collides with an insured or family member, the insured's auto or any auto occupied by the insured or a family member. This can also include someone who is inadequately insured (not enough coverage) or someone who has invalid coverage at the time of the accident.
• Exclusions: The above definition does not apply to vehicles owned by insured or any family member, vehicles operated by a governmental agency, vehicles operated on rails or designed for off road use or vehicles used as a residence.

Uninsured motorist coverage generally provides protection for you and your passengers if you are involved in a collision with an uninsured driver or if you are involved in a hit-and-run accident. It is a substitute for the other driver's policy and your complete claim is settled with your own insurance company. Uninsured motorist bodily injury coverage covers the following expenses:

• Medical
• Lost wages
• Other general damages
• Injuries sustained in hit-and-run accidents

Please be aware, if you have been involved in an accident with an uninsured driver, you may want to contact an attorney before you file a claim with your insurance company to ensure that you obtain all of the coverage available to you and you do not waive valuable legal rights.