Philadelphia is a bustling city with a lot of traffic, which can make car accidents quite common. Unfortunately, not everyone on the road has insurance, and even those who do may not have enough coverage to pay for all of the damages and injuries that result from an accident. In this blog post, we’ll take a closer look at uninsured and underinsured motorist claims in Philadelphia car accident cases and what you need to know if you’ve been in an accident.
- What is Uninsurance?
Uninsured motorist coverage is designed to protect drivers who are involved in accidents with uninsured or hit-and-run drivers. In Pennsylvania, drivers are required to carry a minimum of $15,000/$30,000 in uninsured motorist coverage, which means that you’re protected up to $15,000 per person and $30,000 per accident if you’re hit by an uninsured driver. If you’ve been involved in a car accident with an uninsured driver, your own insurance company will step in to cover the costs of the damages and injuries.
- What is Underinsured Motorist Coverage?
Underinsured motorist coverage is similar to uninsured motorist coverage in that it’s designed to protect you if you’re involved in an accident with someone who doesn’t have enough insurance to cover all of the costs. In Pennsylvania, drivers are required to carry a minimum of $15,000/$30,000 in underinsured motorist coverage. If you’re injured in an accident with an underinsured driver, your own insurance company will pay the difference between the other driver’s policy limits and the actual cost of the damages and injuries.
- Uninsured and Underinsured Claims In Philadelphia Car Accidents
If you’ve been involved in a car accident in Philadelphia and the other driver doesn’t have insurance, your uninsured motorist coverage will kick in to cover your damages and injuries. Unfortunately, if you don’t have uninsured motorist coverage, you’ll be responsible for paying for the damages and injuries yourself. Additionally, if the other driver is underinsured, your underinsured motorist coverage will help to cover the costs that exceed the other driver’s policy limits.
- Making an Uninsured or Underinsured Claim
Making an uninsured or underinsured motorist claim is similar to making any other type of insurance claim. You’ll need to provide evidence of the damages and injuries, including photos, medical bills, and repair estimates. Your insurance company will then evaluate your claim and determine how much they’re willing to pay out.
- Work with an Experienced Car Accident Lawyer
If you’ve been involved in a car accident with an uninsured or underinsured driver, it’s important to work with an experienced car accident lawyer. Your lawyer can help you navigate the claims process and ensure that you receive the compensation you deserve for your damages and injuries. They can also help you negotiate with your insurance company to ensure that you receive fair compensation for your losses.
In Philadelphia, car accidents can be especially challenging if you’re involved in an accident with an uninsured or underinsured driver. However, by understanding uninsured and underinsured motorist coverage and working with an experienced car accident lawyer, you can ensure that you receive the compensation you deserve for your damages and injuries. Be sure to speak with your insurance provider to ensure that you have adequate coverage and protect yourself on the road.