Vermont & New Hampshire Injury Blog

Uninsured Motorist Coverage and Phantom Drivers

In Somersworth NH a pedestrian, 26 year old Nicholas Pepin, was struck and seriously injured by a hit and run driver. See the WMUR online article for details. If Mr. Pepin or a relative living in his household has automobile insurance, he may be entitled to financial relief from the injuries caused by the hit and run driver.

The term used in the insurance industry for a hit and run driver is "phantom driver".  If the "phantom driver" cannot be found, many automobile insurance policies will provide uninsured motorist coverage as if the "phantom driver" were an uninsured driver. Uninsured motorist coverage provides that your own automobile insurance company will be responsible for damages and compensation the same way the uninsured driver's poicy would have, if he had insurance. We all pay for uninsured motorist coverage in our auto policies. By law the coverage must equal the coverage we have for our own liability.  When struck by a phantom driver, an uninsured driver, or an underinsured driver this coverage can be very important for the personal injury victim. For more information call us at the toll free number above or use the contact form on this page.