Pennsylvania Uninsured Motorist Claims
It is a matter of life in Philadelphia PA, sharing some dangeorus and congested roadways and highways with uninsured motorists and underinsured motorists. Every day, car accidents and truck accidents result in very serious injuries. While many people are aware that compensation is available through the other driver's automobile insurance policy, many people are unaware that additional coverage may be available. Get protection before its too late. Call 24/7 at (877) 529-2422.
It does not seem to mind that the law in Pennnsylvania requires drivers to carry a minium policy; too often dangerous drivers are jeopardizing us with suspended drivers licenses and uninsured motor vehicles. Are you protected? Do you know what uninsured motorist coverage is or under insured motorist coverage? Speak to a Philadelphia UM/UIM Injury Lawyer at Ciccarelli Law Offices: we are dedicated to pursuing all avenues of recovery to ensure our clients obtain the maximum compensation they need and deserve. Contact us for experienced legal help in Eastern or Central Pennsylvania.
What is UM or UIM?
Uninsured or underinsured motorist coverage can pay for injuries to you and your passengers, and in some locations damage to your property, when there is an accident and the other driver is both legally responsible for the accident and considered "uninsured" or "underinsured."
An uninsured driver is someone who did not have any insurance, had insurance that did not meet state-mandated minimum liability requirements, or whose insurance company denied their claim or was not financially able to pay it. A hit-and-run driver also counts as uninsured as it relates to bodily injury (UMBI).
An underinsured driver is someone who met minimum legal financial responsibility requirements, but did not have payment limits high enough to cover the damage they caused. In these cases, UM or UIM can pay you for your damages. It is important to note that uninsured and underinsured motorist protections are separate, although in many states they can or must be purchased together.
Most automobile insurance policies in Pennsylvania enable drivers to protect themselves from large damage awards in the event of a car crash. Uninsured and underinsured clauses allow drivers and passengers to seek compensation under their own policy.
Uninsured Motorists: Who will pay?
When the other driver does not have insurance coverage, there are other options for obtaining compensation. In addition to third party claims involving defective products or dangerous roads, an uninsured motorist claim made against your own policy can provide much-needed compensation.
If you have been injured in a hit and run accident where the at-fault driver cannot be located, you may be able to obtain compensation from your own policy or the vehicle owner's policy (if you were not in your own vehicle) for uninsured motorist coverage.
Underinsured Motorists: When Compensation is Just Not Enough...
Accidents involving very serious injuries, such as spinal cord injuries, brain injuries, or other catastrophic injuries will result in a need for life long medical expenses and pain and suffering. In cases involving catastrophic injuries or wrongful death, the insurance coverage available under the other driver's policy may be barely adequate in terms of what the accident victim or family is needs. When the at-fault driver's insurance coverage is insufficient, your own underinsured motorist coverage can provide additional compensation up to the policy limits.
Our West Chester car accident lawyers are familiar with Pennsylvania's insurance laws and insurance policy language. We can help clarify your rights and fight to ensure you recover the full amount of compensation you are entitled.
Our Pennsylvania auto accident lawyers are located in Chester County with convenient locations in West Chester, Kennett Square, Downingtown and satellite offices in Delaware, Lancaster, Montgomery and Philadelphia Counties. Contact Ciccarelli Law offices at 877-529-2422 for a free initial consultation about your car accident case. We represent clients on a contingency fee: No recovery; No fee.
