If I was hit by a car while on my bicycle in Washington and the car had no insurance, can I still recover?
Maybe, and that depends on whether you’ve got the right insurance. That doesn’t make a lot of sense, I understand. You think that other people are supposed to be having insurance and protecting you, but the sad fact is, they don’t always. You have to take care of yourself. Go to your insurance agent and ask for UIM insurance. That stands for Uninsured Motorist or Underinsured Motorist and it will protect you and be your insurance to compensate you if the other person didn’t have any insurance. Your rates won’t go up for using this insurance, so please go out and buy some.