Are Pennsylvania Uninsured/Underinsured Benefits Paid on a No-Fault Basis?

No, although Uninsured/Underinsured Benefits are coverage that you choose and pay for on your own Pennsylvania Car Insurance Policy, those benefits are not paid on a No-Fault basis.  Instead, in order to recover Uninsured or Underinsured Benefits you need to be able to prove that someone else caused the accident that led to your injuries and damages.

Car Insurance benefits that are paid on a No-Fault basis in Pennsylvania include Medical Benefits, Lost Income and Funeral/Accidental Death Benefits.  So, regardless of who caused the car accident, if you have paid for those benefits on your Car Insurance Policy, then you can recover them regardless of whether the accident was your fault or someone else’s fault.

However, in order to recover Uninsured/Underinsured Benefits from you own car insurance, you need to be able to prove that someone else caused the accident.

For more information on Uninsured or Underinsured Benefits or your legal rights after a Pennsylvania Car Accident, contact Pennsylvania Car Accident and Personal Injury Lawyer Tim Rayne at 610-840-0124 or or check out his website at

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