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Uninsured and Underinsured Motorists

21. Uninsured and Underinsured Motorists1Drivers in Pennsylvania are required by law to carry auto insurance to protect their interests in case they are involved in automobile accidents. Despite the fact the law mandates car insurance for every driver, the minimum requirements are hardly enough to cover a trip in an ambulance, let alone expensive medical treatment. The minimum requirements are just enough to provide some protection.

While an injured driver can turn to their own auto insurance for help, it is not always enough and that means a claim can be filed against the party responsible for the accident. Unfortunately, one in seven drivers in Pennsylvania are uninsured and even more of those are underinsured. This means that it may be impossible to recover meaningful compensation from the other party’s insurance. The only other option from there is to move forward with the personal injury lawsuit in hopes the person can pay.

A common theme, however, is a person’s ability to pay into a lawsuit when they don’t even carry higher limits on their auto insurance. There is a good chance they probably don’t have the money or they have very few assets to liquidate in order to cover an injury lawsuit. This is why it is beneficial for individuals to add uninsured and underinsured motorist coverage to their insurance policies.

The Importance of Uninsured and Underinsured Insurance

At Brotherly Law, we have seen individuals recover everything they need from all responsible parties in an accident. At other times, it is more difficult, but it is not impossible. We recommend adding uninsured motorist and underinsured motorist coverage due to the fact that uninsured and underinsured motorists are common throughout the state and getting in an accident with one can add some complexities to your injury lawsuit.

However, you should rest assured that we take care of those complexities for you so that you can focus on healing and not the technicalities of your case. We also give you advice based off of our experience. We give advice about your current injury case and advice that can help you in the future. For instance, the recommended limits for uninsured and underinsured motorist coverage are $100,000 per person and $300,000 per accident.

At these amounts, you are more likely to secure the settlement that you need to take care of your damages so that you don’t have to worry. This is coverage that can take care of medical bills, pain and suffering, damage to your car, and more. If you don’t currently have this protection, you have the right to change your insurance policy at any time and it usually only costs a few extra dollars each month.

What to Expect from an Underinsured or Uninsured Driver

21. Uninsured and Underinsured Motorists2When you bring a lawsuit against the underinsured or uninsured driver and the case goes to trial, they may be ordered to pay once it is determined they are at fault. There is a strong possibility that it may take them a while to pay because of their lack of income and/or assets Then again, there are some individuals that surprise the plaintiff and they are able to liquidate assets to satisfy the lawsuit; they just didn’t carry more coverage on their vehicle because they were trying to save a little money.

While saving money is something many people want to do, it is something that can be a great financial disservice to them when involved in a car accident. It is not until a person is in an accident that the effects of being underinsured or uninsured appear. There is also the fact that being uninsured can have some rather stiff penalties, such as a citation from the officer on the accident scene for lack of insurance that can later lead to a suspended license and fines.

Let Our Experienced Auto Accident Attorneys Help You

When in an accident with an uninsured or underinsured motorist, hope is not lost in receiving compensation. While you can make a claim against your own insurance, it is still possible to obtain more compensation from the responsible party. At Brotherly Law, we take care of the complexities of uninsured and underinsured motorist cases and aggressively pursue compensation so you have the money you need to pay your expenses. To learn more about what we can do for you, call us at (215) 545-8500 or contact us online to request a free consultation.

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If you have been injured due to no fault of your own, you may be able to hold the responsible party accountable for the monetary damages resulting from the accident. Fill out the form below to request a free consultation so we can evaluate your case.

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