So what does your insurance policy cover? Do you know? What you don’t know could hurt you at the very point you need your insurance to work for you. Most people know think of insurance as a kind of safety net in a couple simple categories. The first thought goes something like this —  “If I at fault for something that hurts myself, someone else, or someone else’s property, my insurance covers all the costs involved.”  The second category of assumption goes something like this — “If someone else is at fault for something that hurts me or my property, their insurance will cover it, and if they don’t have insurance, mine will.” Unfortunately, insurance policies and practices are more complicated and nuanced than these two categories of assumption. Here are 3 other scenarios that your insurance may cover. Uninsured Drivers While it is illegal to drive a vehicle without insurance, there are some people who choose to risk it. And if one of those people causes an accident due to their negligence, who gets stuck with the bill? This is where your uninsured motorist policy may kick in. Underinsured Drivers Sometimes the negligent driver has insurance, but not enough to cover the damages they caused. So if they have $10,000 worth of coverage and do $15,000 in damages to your vehicle, their insurance may only cover $10,000, leaving you with $5,000 worth of damages to pay for. Your underinsured driver policy may come into play in this instance. This can also apply to medical expenses. Unidentified Drivers Occasionally a driver may cause an accident and keep right on driving, leaving you to deal with the aftermath. Whether you were involved in a hit and run, you were run off the road by another vehicle, or your vehicle was hit while it was parked, your insurance company may cover the damages so you are not stuck footing the bill. These are a few of the lesser known benefits that comes as part of your auto insurance. If you have been involved in an auto accident and one of these scenarios applies to your situation, don’t wonder about who is going to have to pay. Let Berkshire Ginsberg help.  Contact us today to schedule a free consultation with one of our personal injury trial lawyers.