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In West Virginia, uninsured motorist coverage (UM) is a state required insurance coverage that provides protection to individuals who suffer personal injuries in a motor vehicle accident as a result of the negligence of an uninsured driver. An uninsured driver can be a person or a vehicle that does not have liability insurance or an unknown driver such as a hit-and-run type of motor vehicle accident.
In most cases, when you are injured as a result of an at-fault driver’s negligence, the at-fault driver’s insurance company will pay for your damages. However, some at-fault drivers do not have liability insurance. In some cases, the at-fault driver did have liability insurance and they did not pay their premium payment causing their liability insurance policy to lapse. Also, the at-fault driver may leave the scene of the accident and cannot be located. In these situations, you can seek out insurance under your uninsured motorist coverage of your policy.
If you have been injured in a motor vehicle accident, call Preston & Salango, PLLC to get answers: 304-342-0512.