If you were in an auto accident due to the negligence of another driver, you typically will seek compensation from the negligent driver’s insurer based on his insurance policy. However, if the driver was uninsured, and if you have “uninsured/underinsured motorist coverage” (“UM coverage”) through your own insurance policy or the policy covering the vehicle in which you were riding, then an uninsured motorist claim will be made to your insurer.
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