Pennsylvania Personal Injury Attorney - Uninsured Motorist

You are fortunate if any of the following is true for you:

  • You are never injured in a car accident.
  • If you are injured in a car accident caused by another driver, that driver has enough insurance to cover the costs of your medical care and other losses.
  • If you are injured in a car accident caused by another driver and the other driver does not have sufficient insurance to cover your losses, another source of compensation is available to meet those needs.

One of the most important sources of compensation to have available if you need it is uninsured motorist (UM) and underinsured motorists (UIM) coverage on your own auto insurance. If you or a close family member whom you live with has UM/UIM coverage, you have greater assurance of getting the financial help you need in case of a serious or catastrophic injury, regardless of other drivers’ level of insurance.

Some estimates have indicated that up to 40 percent of drivers have no insurance. Other drivers have liability insurance that is not nearly enough to cover the costs of a serious injury. Your own uninsured motorist coverage becomes critical when the at-fault driver has no insurance; when a drunk driver with no insurance causes a crash; or when you are injured in a hit-and-run accident.

Unfortunately, UM/UIM coverage is not mandatory in Pennsylvania. When you bought car insurance, your agent may have asked you to sign a form waiving coverage. If you made the correct choice and purchased auto insurance with uninsured and underinsured motorist coverage, you may need to tap into that resource after your accident.

If Your Auto Accident Claim May Exceed Available Insurance, Ask MHK Attorneys About UM/UIM Coverage

On the explanation issued to you by your car insurance company about your coverage, you may have seen something like this:

  • Uninsured motorist: $100,000/$300,000
  • Underinsured motorist: $100,000/$300,000

The first amount listed is “per person,” and the second amount is “per accident.” An attorney’s help will likely be vital to the success of your claim under your own UM/UIM coverage. Do not rely on your own auto insurance company representatives to be completely upfront about all coverage available to you. It is common for insurance companies to “play keep away.” After an accident, for best results, avoid common mistakes and get a lawyer’s help as soon as possible.

MHK Attorneys in Pennsylvania goes to bat on behalf of clients injured in car accidents, including those requiring claims under uninsured or underinsured motorist coverage. Based in Pocono Summit, Allentown, Bethlehem and Brodheadsville, our law firm represents clients throughout North Eastern Pennsylvania.

Pennsylvania Personal Injury Law Firm — Contact Us After An Uninsured Or Underinsured Motorist Accident

For clear explanations about car insurance in Pennsylvania, see our popular, useful and free book, The Pennsylvania Car Insurance Buying Guide: How To Protect Your Family From Irresponsible Drivers.

To schedule a consultation with a lawyer after you have suffered injuries in a crash involving an uninsured motorist or underinsured motorist, contact us today. We can help you discover and make claims against all available sources, including your own UM/UIM coverage.