While Pennsylvania law requires all drivers to have a minimum level of auto insurance, not everyone complies. If you are involved in an accident with an uninsured driver, you could be left facing significant financial repercussions. Uninsured motorist coverage provides protection for you and your vehicle in the event of a collision with a driver who does not have insurance. Without this coverage, you could be left to cover the costs of medical bills, vehicle repairs, and other expenses out of pocket. This can be a huge financial burden, especially if you are injured and unable to work.
When involved in a car accident, it is crucial to seek legal assistance from a reputable law firm like Rubin, Glickman, Steinberg & Gifford, P.C. This is especially important if the accident resulted in bodily injury or significant damage to your vehicle.
What Is Uninsured and Underinsured Motorist Coverage?
Uninsured and underinsured motorist coverage protects you in case you are involved in an accident with a driver who either has no insurance or insufficient insurance to cover the damages. In such situations, having uninsured or underinsured motorist coverage can be a financial lifesaver. This coverage essentially steps in to pay for expenses that would typically be covered by the at-fault driver’s insurance if they were insured.
Underinsured motorist coverage, on the other hand, comes into play when the at-fault driver’s insurance is not enough to cover all your expenses. For instance, if your medical bills exceed the liability insurance of the other driver, underinsured motorist coverage can help cover the remaining costs. This type of coverage gives you peace of mind in knowing that you will not sustain significant financial debt from your accident.
Benefits of Having Uninsured Motorist Coverage
Uninsured motorist coverage offers several benefits to drivers in Pennsylvania. It provides financial protection in situations where the at-fault driver’s insurance falls short. This coverage can help pay for medical expenses, lost wages, and other damages resulting from a collision with an uninsured driver.
Uninsured motorist coverage gives you an extra layer of financial security on the road. It allows you to focus on your recovery rather than worrying about how to cover expenses that exceed the other driver’s insurance limits. By investing in uninsured motorist coverage, you are proactively safeguarding yourself against potential financial hardships that may arise from being in a collision with a driver who lacks adequate insurance coverage.
What Happens in a Car Accident With an Uninsured Driver?
Without uninsured motorist coverage, you may face significant challenges in recovering compensation for your injuries and damages. The lack of insurance on the part of the other driver leaves you vulnerable to bearing the full financial burden of the accident, including medical expenses, vehicle repairs, and lost wages.
Having uninsured motorist coverage fills the gap left by the uninsured driver, ensuring that you have the necessary financial support to cover your expenses. Whether it is medical bills resulting from bodily injuries or repair costs for your vehicle, uninsured motorist coverage can provide the assistance you need to get back on your feet after an accident.
In the absence of uninsured motorist coverage, pursuing compensation from an uninsured driver can be challenging and lengthy. Without the proper insurance coverage in place, you may face difficulties in holding the uninsured driver accountable for their actions. This is where having uninsured motorist coverage proves invaluable, as it allows you to recover damages promptly without the added stress of dealing with an uninsured driver.
Schedule a Consultation With a Car Accident Lawyer
If you are involved in a car accident with an uninsured driver, suing the uninsured driver may seem like a viable option to recover damages. However, pursuing legal action against an uninsured driver can be a complex process that requires careful consideration of the available options. Without uninsured motorist coverage, suing the uninsured driver may not always result in satisfactory compensation for your losses.
It is essential to consult with a seasoned law firm to understand the best course of action in such situations. Before proceeding with a lawsuit, it is crucial to assess the feasibility of obtaining compensation from the uninsured driver and explore alternative avenues for recovering damages. Contact Rubin, Glickman, Steinberg & Gifford, P.C. at (215) 822-7575 or fill out our contact form for a free case review with our law firm.
Rubin, Glickman, Steinberg & Gifford P.C.
Pennsylvania Attorney's
June 22, 2024
