Why You Need Uninsured and Underinsured Motorist Coverage

What exactly does uninsured motorist coverage include? This coverage falls under auto insurance and helps pay for medical expenses, lost wages, and other injury-related costs. It also covers you and your passengers in a hit-and-run accident when the person at fault can't be identified.

It's important to note that the specific details of your uninsured motorist coverage may vary depending on your own health insurance, provider, and the state you live in. Always review your policy carefully to understand what's covered and any limitations.

Consider the Benefits of Uninsured Motorist Coverage

When shopping for car insurance, one type of coverage to keep in mind is uninsured motorist bodily injury coverage. This essential protection offers financial security if you're involved in an accident with an uninsured driver. By carefully evaluating your personal requirements and comparing different insurance providers, you can find peace of mind on the road.

Understanding Uninsured Motorist Coverage

Uninsured and underinsured motorist coverage (UM/UIM) is a critical component of auto insurance. It ensures that you receive adequate compensation if you're in an accident with a driver who has insufficient or no insurance. Protecting yourself against these situations is crucial for covering your injuries, damages, and losses.

Coverage When You're a Victim of a Hit-and-Run Accident

In most cases, uninsured motorist coverage applies to hit-and-run accidents. However, details may vary depending on your insurance policy and your state's regulations. It's essential to understand the specifics of your collision coverage.

Covering Damages from Uninsured At-Fault Drivers

Whether you can make a claim for damages to your parked vehicle caused by an uninsured driver depends on the terms of your insurance policy. It's important to review your policy carefully and understand the type of coverage you have.

Uninsured Motorist Bodily Injury Coverage in Pennsylvania

While uninsured motorist bodily injury coverage is not legally required in Pennsylvania, it is highly recommended. Opting for this coverage provides additional protection in case of an accident with an uninsured driver. It can cover medical expenses, lost wages, and other injury-related costs. Consider your personal situation and driving habits when deciding on the appropriate coverage for your auto insurance policy.

Steps to Take After an Accident with an Uninsured or Underinsured Motorist

If you're involved in an accident with an uninsured or underinsured motorist, follow these important steps:

1. Prioritize safety and call for medical assistance if needed.
2. Report the accident to the police and gather information from the other driver and witnesses.
3. Contact your insurance company and provide them with all the necessary details about the uninsured driver.
4. Document the accident scene with photos and keep records of all accident-related expenses.
5. Be cautious when providing recorded statements to insurance adjusters.
6. If needed, consult with a personal injury attorney to protect your rights and navigate the claims process smoothly.

Secure the Compensation You Deserve

In the event of an accident with an underinsured or uninsured motorist, acting swiftly is crucial. An experienced auto accident lawyer can assist you in navigating the complexities of the insurance claims process and ensure you receive the compensation you deserve for your injuries, damages, and losses. Don't hesitate to seek legal assistance when needed.

When it comes to car insurance, knowledge is power. Understanding your options and taking appropriate steps after an accident can make all the difference. Drive safely and confidently with the right coverage for your needs.