If you or a loved one has been injured in a Pennsylvania car accident, you are more than likely experiencing a great deal of stress. If the other person involved has insufficient insurance or no insurance at all, it can add to an already stressful and panicked situation.
Pennsylvania law mandates that you be offered “Uninsured Motorist Coverage” and “Underinsured Motorist Coverage.” This kind of insurance coverage protects you if you are in an accident with someone who has no insurance or if you are in a “hit and run” accident. While the purchase of coverage is not mandatory, it is strongly suggested that you do so. Unless you declined this insurance coverage in writing, you probably have it. Both types of insurance are generally offered as a “package.” “Underinsured motorist coverage” pays the difference between the other driver’s insurance policy and the total cost of any bodily injury sustained in the accident.
This may seem very confusing to someone who is already suffering the trauma of an auto accident. A trained and experienced Pennsylvania auto collision attorney will investigate all aspects of your insurance policy, including your policy’s “Personal Injury Protection.” This coverage typically pays for medical expenses, loss of wages and expenses related to wrongful death or catastrophic injury. It is your lawyer’s job to navigate the technical jargon for you so that you can concentrate on recovery from your physical and emotional injuries and move on with your life.
It is a sad fact that the law requires drivers nationwide to have auto insurance and yet, one in six drivers do not have insurance or sufficient insurance to cover the cost of the damages sustained in an injury accident. According to one study conducted by the Insurance Research Council (IRC), many motorists are cutting their auto insurance coverage due to unemployment. As unfortunate as losing a job can be, it’s not worth the money that will be lost in the event of an auto accident.
If you or a loved one has been involved in a car accident with an uninsured or underinsured driver, don’t hesitate to get in touch with a skillful Pennsylvania auto accident lawyer. Involvement in an auto collision is stressful enough without having to navigate through the complexities of the law as well. For more information and legal news pertaining to car accidents and the legalities that surround them, check out PA Law Blogs, a resourceful forum managed by experienced and knowledgeable injury attorneys in Pennsylvania.