Originally Posted by jmfrost

And therein lies the problem. I thought I did have UM/UIM. I asked for it. What I wasn't told was that there are three different types. One that covers collision damage, one for medical expenses, and one for both. Mine happens to only be for the medical expenses. So my advice to everyone else is, if you think you have uninsured motorist, then you better check your policy to see which one you're actually covered for.


The REALLY annoying thing about this...the girl that hit me had her vehicle repo'd. Her insurance company is covering the damages to that vehicle because there's apparently a clause that lien holders still have protection for up to 14 days from the date of the accident, regardless of the policy being lapsed/canceled.