You never know what can happen on the roads, which is why car insurance is a must-have for all drivers. But what if the person who caused the accident doesn’t have insurance or doesn’t have enough insurance to cover your damages and injuries? This is where uninsured or underinsured motorist (UM/UIM) coverage comes in. This type of coverage can help protect you and your loved ones from financial devastation in the event of an accident with an uninsured or underinsured driver. In this blog post, we’ll discuss why it is important to use your car insurance to protect yourself and loved ones from an uninsured or underinsured driver in Pennsylvania.
Pennsylvania only requires a driver to have $15,000 of liability coverage per injured person. What does this mean for you if a driver only has $15,000 of liability? Imagine you are involved in an accident caused by an uninsured or underinsured driver in which you suffer a serious injury that incurs over $50,000 in medical bills and lost wages. If the other driver only has $15,000 of liability coverage, you would only be able to recover that amount from their insurance. This can leave you with significant financial burdens that could take years to overcome. That’s why it’s crucial to have UM/UIM coverage, so you aren’t left with the bill for someone else’s mistake.
What is the purpose of purchasing UM/UIM coverage? If you are hit by an uninsured or underinsured driver, UM/UIM coverage can help cover the difference between what the at-fault driver can pay and what you need to cover losses such as medical bills, lost wages, and other damages resulting from the accident. Without UM/UIM coverage, you risk being left to cover those costs on your own. It’s easy to think that you won’t be hit by an uninsured or underinsured driver, but the reality is that hit-and-run accidents and drivers without proper insurance coverage happen all the time.
One of the greatest benefits of UM/UIM coverage is that it doesn’t only cover you as the driver. In many cases, it can also protect your loved ones who are riding with you at the time of the accident. In Pennsylvania, your UM/UIM coverage will typically match your liability limits, which means that if you have $100,000 in liability coverage, then you will also have $100,000 in UM/UIM coverage. This can provide you with peace of mind knowing that you and your passengers are protected when driving on the road.
It’s important to note that UM/UIM coverage is not mandatory in Pennsylvania, but it is highly recommended. This type of coverage can provide you with the added protection you need to avoid financial ruin in the event of an accident involving an uninsured or underinsured driver. The cost for UM/UIM coverage is typically minimal compared to the amount of coverage you receive, making it an affordable way to protect your financial future.
Conclusion:
Driving can be unpredictable, and accidents can happen when you least expect them. Protecting yourself and your loved ones from uninsured or underinsured drivers is critical, which is why UM/UIM coverage is essential for Pennsylvania drivers. Pennsylvania’s minimum liability coverage requirements may not be enough to cover the damages and injuries involved in a serious accident, so it’s important to take proactive measures to protect yourself financially. Don’t take the risk – make sure you have adequate UM/UIM coverage.
In conclusion, understanding Pennsylvania’s personal injury law is essential for protecting your rights and pursuing compensation for your injuries. With the help of knowledgeable and experienced personal injury lawyers, victims can receive the justice they deserve by holding negligent parties responsible for their actions. If you or someone you know has suffered a personal injury due to another person’s negligence, don’t hesitate to contact a personal injury lawyer to discuss your case.
Ciccarelli Law Offices has more than four decades of collective experience seeking justice accident survivors and their loved ones. Based in suburban Philadelphia at 304 North High Street, West Chester PA 19380, we make your choice all the clearer with locations throughout the metropolitan Philadelphia Pennsylvania, including Philadelphia, West Chester PA, Lancaster, Malvern (serving Downingtown/Exton PA), Plymouth Meeting PA, Radnor and Springfield PA.
We serve Downingtown, Paoli, Williamsport, Kennett Square PA, Media, Norristown, Harrisburg, Malvern, Doylestown, Lancaster, Exton, Lebanon, King of Prussia PA, State College PA, Allentown, Reading, and Coatesville. For more information or to schedule an appointment with an experienced Pennsylvania Personal Injury Attorney at Ciccarelli Lawyers, by contacting us at (610) 692-8700 or toll free at (877) 529-2422.