Chances are, the next time that you are stopped at a busy intersection, one of the other drivers within your line of sight is uninsured or underinsured. In 2017, the Insurance Research Council found that 1 out of every 8 drivers in America was uninsured.
In Pennsylvania, drivers are required to carry insurance that covers personal bodily injury, property damage liability, and personal injury protection. Bodily injury liability insurance helps pay for the medical expenses of another person who was injured in a crash in which you were at fault. Similarly, property damage liability helps cover the repairs for damage that you caused to another person’s car or personal property during an accident. Personal injury protection insurance is an extension of auto insurance that covers medical expenses, and often lost wages. Considered “no fault” insurance, as it covers the insured person regardless of who was at fault for the accident.
Unfortunately, despite the laws requiring that all drivers maintain these insurance coverages, not all drivers maintain the required level of insurance coverage. Uninsured drivers fail to carry insurance altogether, while an underinsured motorist carries insurance but it is insufficient to cover the cost of the damages caused by the accident.
One of the ways to protect yourself from uninsured or underinsured motorists is to carry uninsured and underinsured motorist coverage as part of your auto insurance coverage. This coverage offers protection through your own insurance company if you are injured or have damages from an accident covered by an uninsured or underinsured motorist. Additionally, it can be helpful to “stack” policies for multiple vehicles on the same insurance plan. This allows the claimant to collect the Uninsured or Underinsured policy benefits for multiple vehicles on one accident claim.
Whether an at-fault driver in your accident was uninsured or underinsured, the journey to journey to obtaining the compensation you need for medical bills, lost wages, and other financial damages will be complex and difficult. An experienced personal injury attorney can navigate your claim, helping you to understand the damages sustained and your legal options.
If any of these scenarios apply to your unique situation, you should speak with a qualified personal injury attorney. The Wieand Law Firm, LLC will take the time to listen and provide that skilled advice you need to take action and seek fair compensation for your injuries, lost wages, and suffering.
To speak with a car accident lawyer Philadelphia, PA residents recommend, call the Wieand Law Firm, LLC today at 215-666-7777 to receive a free, no-obligation consultation.
Disclaimer: This article is for informational purposes only and is not legal advice.
