How to Protect Your Family From Uninsured and Underinsured Drivers in Pennsylvania?
There are tens of thousands of people driving in Pennsylvania with little or no car insurance. Statistically, these drivers are guaranteed to cause accidents and injuries but will have little or no ability to pay for the damages caused by their carelessness. Luckily for you and your family, there is car insurance coverage that you can purchase to provide protection from these irresponsible drivers – Uninsured and Underinsured coverage. If you have the foresight to purchase this coverage in adequate amounts, you and your family will be protected in the event that you fall victim to an accident caused by an uninsured or underinsured driver.
Uninsured Motorist coverage protects your family from an accident caused by a driver of a vehicle who has no insurance or a hit-and-run driver who leaves the scene of the accident and cannot be located. If you have this coverage, your insurance company must compensate you for damages you and your family sustained in the accident up to the amount of your coverage. So, if you purchased $100,000 of Underinsured coverage, you could collect up to $100,000 from your own car insurance company to compensate you for your injuries and damages in a car accident (lost wages, medical bills, pain and suffering, etc.).
Underinsured Motorist coverage provides protection for an accident caused by a driver who has Liability coverage, but not enough coverage to pay for all of the injuries and damages caused by the accident. For example, if a driver having only the state minimum required Liability coverage of $15,000 causes $100,000 worth of injuries and damages to someone, that driver is underinsured by $85,000. In such an accident, if the injured person was covered by Underinsurance coverage purchase on a car insurance policy covering him or her, that Underinsurance coverage will make up the difference between the amount of the damages and the amount of insurance carried by the responsible driver.
In my opinion, it’s critical today for drivers to protect themselves from irresponsible uninsured and underinsured drivers in Pennsylvania. You also find that this type of coverage is relatively affordable, so be sure to purchase it in substantial amounts to protect yourself and your family.
For more information on smart car insurance choices in Pennsylvania or for advice and help after a car accident contact Car Accident Attorney Tim Rayne at 610 840 0124 or trayne@macelree.com.