Uninsured / Underinsured Motorist Coverage
While Pennsylvania law dictates that all drivers must carry liability insurance, a considerable number of motorists do not comply. If you are in a car accident whereby the other driver is at fault and does not have insurance, what do you do to get your medical bills paid? You can protect yourself by purchasing Uninsured / Underinsured Motorist (UM/UIM) Coverage.
Who Will Pay For the Damage to My Car?
Even if the other driver has insurance, their coverage may not be enough to pay for your losses. This is where UM/UIM comes in and augments their shortfall. In Pennsylvania, UM/UIM is typically offered as part of your policy unless you expressly reject that coverage in writing – usually by way of a rejection form.
Uninsured / Underinsured Motorist Coverage is Affordable
Most times, UM/UIM coverage is very reasonably priced and can really help when you need it. Talk to your insurance agent about your UM/UIM coverage, or add it if you don’t already have that coverage as a part of your policy.
Even Without UM/UIM Coverage, You May Be Eligible for Compensation
Anytime a driver is injured in a car accident by the negligence or fault of another driver, compensation may be awarded to cover medical bills, property losses and pain & suffering. If you have been injured in a car accident by the negligence of another, you may be eligible for compensation. Know your legal options by speaking directly to a car accident attorney at our law firm today for a FREE consultation about your rights. Get the compensation you deserve, not the amount the insurance company is comfortable offering you for your losses. We have offices throughout Pennsylvania to provide you with the best legal advice about your car accident case.