Pennsylvania Automobile Accident Injury Lawyer:
Hundreds of motor vehicle accidents happen each day throughout the United States. Every time you drive, you are at risk of being involved in a car accident. In spite of Pennsylvania law requiring all motor vehicles to be insured, there remains many car accidents where the responsible party is uninsured. These risks increase substantially when you drive without uninsured/underinsured coverage. This option is always available while shopping for the specific car insurance that’s right for you.
Underinsured cars are defined by Motor Vehicle Financial Responsibility Law, Section 1702 as “a motor vehicle for which the limits of available liability insurance and self-insurance are insufficient to pay losses and damages.” The same law defines an uninsured car as “a motor vehicle for which there is no liability insurance or self-insurance applicable at the time of the accident.” Based on our decades of combined experience handling car accidents, Ciccarelli Law Offices highly recommends having coverage to protect you from those uninsured and underinsured motorists on the road. These motorists may be completely at fault in an accident with you, but without the coverage, you will be responsible to pay for your own medical bills. The financial ramifications can be severe. You will be personally paying for all of the costs, for all of your injuries that resulted from the car accident, even if it’s not your fault!
Hypothetically, if you are injured in a car accident where your medical bills pile up to $30,000 and the underinsured driver’s insurance only covers $10,000 in damages, the medical providers may in fact look to you for the balance of the medical records. That is a huge price to pay for an accident that was never your fault. If your accident involves someone who is under underinsured, the chances are high that they will not have nearly enough to cover all the costs of your injury. The risk is real and could leave you with a mountain of debt. Even worse, if you were in the same accident and the other driver is uninsured, you would be responsible for all $30,000 in medical expenses to help you recover properly. The reality of the situation may be harsh, but the good news is that it can all be easily avoided.
Buying auto-insurance with uninsured/underinsured coverage will prevent many headaches in the case of an accident in the future. Insurance rates will be higher with this type of coverage, but you will have the safety of knowing that you will not need to pay for all of your medical bills. Underinsured and uninsured drivers are everywhere, therefore you need to protect yourself with uninsured/underinsured auto-insurance coverage.
As always, Ciccarelli Law Offices, is here to assist you with any legal advice you need while handling a car accident or any insurance problems afterwards. Led by Lee Ciccarelli, we have helped many people from our offices in Chester, Delaware, Lancaster, Bucks, Berks, Montgomery and Philadelphia counties. Having an experienced lawyer on your side while dealing with car accident disputes is an essential to obtaining the coverage you deserve while recovering from an injury. Call us at 610-692-8700 for more information.