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It depends on the company and the policy. Ask your agent. They may give you some support in your personal lawsuit, but I doubt if they will initiate it or give you any money beyond what they are legally obliged to pay on the outside possibility that they may get it back from the at-fault party.

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Q: If someone runs a red light and hits you but they have no insurance but you are fully covered with your insurance will your insurance pay you for pain and sufferring then go after them for the money?
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