Yes, you need coverage for uninsured drivers, even if you have comprehensive and collision coverage. Collision insurance will pay for the repair of your vehicle if you are hit by an uninsured driver, but it won't cover any of your medical expenses and comprehensive insurance won't cover your expenses after an accident. After uninsured drivers cause an accident, many drivers without uninsured motorist coverage are forced to foot the bill for medical bills, car repairs, and other damage caused by their accident. While Pennsylvania law doesn't require drivers to have it, coverage for uninsured motorists could be a crucial safeguard for them.
It could save a person a significant amount of money if they ever needed it. While it's possible to sue an uninsured driver if they've caused an accident, some factors can inhibit a person's ability to file a lawsuit.
The underinsured motorist from Pennsylvania then filed an application for UIM benefits under her grandfather's auto insurance coverage.His lawyer for underinsured motorists in Pennsylvania filed a PA UIM lawsuit against his father's insurance company. When a motorist chooses insurance coverage, they usually do so with the limitations of a budget.
Protecting uninsured motorists is useful, as it will help cover medical bills that extend beyond the coverage limits of a PIP plan. If your injuries are serious, being hit by a driver with minimal coverage is only marginally better than being hit by one without any coverage. When the parties were unable to reach a settlement in the UIM lawsuit, the Pennsylvania underinsured motorist lawyer filed a lawsuit against the negligent driver's auto policy coverage being less than the value of the Pennsylvania personal injury claim. While Pennsylvania requires a minimum amount of insurance coverage for all drivers, it generally isn't enough to cover damage caused by a serious accident.
It doesn't matter if you've been paying for coverage for months or even years, they'll be reluctant to pay fair value. While Pennsylvania state law requires all drivers to have liability insurance, many motorists don't comply with it. The Pennsylvania Superior Court accepted the legal theories of the Pennsylvania underinsured motorist lawyer and overturned the lower court decision. While being involved in a car accident caused by another driver is difficult, being the victim of an accident caused by an uninsured or underinsured motorist can, and often will, add a level of complexity to your claims experience.
Pennsylvania law requires that all auto insurance policies issued offer the insured the option of purchasing protection for underinsured and uninsured motorists.