If an uninsured driver hits you, are you financially protected? Learn how uninsured motorist coverage fills the gap.
What Happens If an Uninsured Driver Hits You?
You’re stopped at a red light. Suddenly, another car slams into you.
You’re hurt. Your car is totaled. The other driver? No insurance.
It happens more often than you’d think. In fact, over 42 million drivers in the U.S. don’t carry auto insurance. If you live in Colorado or Wyoming, chances are you share the road with thousands of them every day.
So the question is—if one of them hits you, who pays?
The Coverage Most People Think They Have (But Don’t)
Most drivers assume their auto insurance protects them from every situation. But if the person who hits you has no insurance—and you don’t have uninsured motorist coverage—you could be stuck with:
- Medical bills
- Car repairs
- Lost wages
- Pain and suffering
Suing them? Not likely to help. If they don’t have insurance, they usually don’t have the money or assets to pay for damages either.
That’s why uninsured motorist coverage in Colorado and Wyoming isn’t optional—it’s essential.
What Is Uninsured Motorist Coverage?
Uninsured motorist coverage (UM) is a type of protection that steps in when the at-fault driver has no insurance (or not enough of it).
It typically covers:
- Your medical expenses
- Lost income from time off work
- Long-term pain and suffering
- Even property damage in some cases
If you’re hit by someone who can’t pay, your UM coverage pays instead—so you’re not the one left holding the bill.
Who Needs This Coverage?
Short answer: anyone who drives in Colorado or Wyoming.
If you:
- Rely on your car for work, kids, or daily life
- Don’t want to drain savings after an accident
- Can’t afford to miss work due to an injury
- Want peace of mind when you’re on the road
Then you need to check your current policy’s UM limits right now.
What Most People Overlook
Most auto insurance policies include some uninsured motorist coverage—but it’s often the state minimum, which barely covers medical expenses in a serious accident.
Here’s what people miss:
- Their UM limits may be lower than their liability limits
- Some policies don’t cover underinsured drivers, only completely uninsured ones
- They’ve never reviewed or updated their policy—even after buying a new car or changing jobs
That gap can mean tens of thousands in out-of-pocket costs. One accident could wipe out your savings or delay recovery just because you didn’t check a box.
How Summit Insurance Protects You From the Unexpected
At Summit Insurance Agency, we’ve helped dozens of families recover from accidents they didn’t cause—and didn’t see coming.
Here’s how we do it differently:
✅ We Review the Limits Others Overlook
We check your UM and underinsured motorist coverage (UIM) and make sure it matches your risk—not just the legal minimums.
✅ We Explain the Fine Print
We walk you through what your policy covers—and what it doesn’t—so there’s no guesswork or surprises when you file a claim.
✅ We Help You Build True Road Protection
We’ll tailor your coverage so that you’re protected even when the other driver isn’t.
Because it shouldn’t be your fault twice.
Don’t Let Someone Else’s Mistake Destroy Your Finances
Most people don’t think about uninsured motorist coverage until it’s too late. But you don’t have to be one of them.
Request a quote from Summit Insurance Agency today.
We’ll review your current coverage and make sure your policy is built to protect you—no matter who hits you.