no insurance

The only worse than a low insurance policy is when the person who hits you has no insurance. You are driving along. Following the rules of the road. And then BAM. Through no fault of your own your life has changed on a dime. It’s not right. What are you going to do? Your only option is likely to make a claim against your own policy. This is known as an underinsured motorist claim. Your insurance acts as if it was the person’s who hit you. Your liability limits are the amount of coverage available to you.