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While uninsured motorist coverage is for accidents where the at-fault driver does not have an active auto insurance policy, underinsured motorist coverage will cover you if a driver hits you but ...
This means if you are involved in an accident with someone who does not have insurance coverage and the accident is ruled the other driver’s fault, then the uninsured motorist coverage would apply.
You’re in a not-at-fault accident, and the other driver was uninsured. You incur $25,000 worth of medical bills and carry $25,000/$50,000 in uninsured motorist coverage.
No-fault systems generally exempt individuals from the usual liability for causing bodily injury if they do so in a car collision; when individuals purchase "liability" insurance under those regimes, the insurance covers bodily injury to the insured party and their passengers in a car collision, regardless of which party would be liable under ordinary legal tort rules.
"No-Fault" does not mean that insurance premium of the person making the claim will not increase. Typically a PIP claim is made by the insured driver to their own insurance company, however, there are several exceptions that allow persons who have been injured in an accident to make a PIP claim if they do not own a vehicle.
The details of each accident will vary, but the process of determining fault after an accident is usually the same. In an at-fault state, fault is determined by the party that caused the accident.