Uninsured motorist coverage is a type of protection that provides coverage for damages suffered in an accident involving an uninsured motor vehicle. Pennsylvania law requires that this coverage be offered to drivers, but the purchase is optional. According to the most recent data from the Insurance Information Institute, approximately 13 percent of motorists are uninsured in the United States. However, Pennsylvania allows drivers to be excluded from its no-fault laws if they have a full liability policy.
This coverage may cover expenses related to injuries caused by another driver in a hit and run incident. The Pennsylvania Superior Court accepted the legal theories of the Pennsylvania underinsured motorist lawyer and overturned the lower court decision. The underinsured motorist from Pennsylvania then filed an application for UIM benefits under her grandfather's auto insurance coverage. Some discounts, coverages, payment plans, features and benefits aren't available in all states and companies.
It's possible to sue an uninsured driver if they've caused an accident, but certain factors can make it difficult to do so. People who have protection against underinsured drivers will be able to claim damages not covered by the other party's insurance. When a motorist chooses insurance coverage, they usually do so with the limitations of a budget.
Uninsuredor underinsured coverage protects you from damage in an accident caused by an at-fault driver who doesn't have insurance or who has less liability than is necessary to cover the damage.
This coverage provides a specific amount of compensation for medical care and lost wages after an accident. After uninsured drivers cause an accident, many drivers without coverage for uninsured drivers are forced to pay for medical bills, car repairs, and other damage caused by their accident. Uninsured driver protection also helps someone if they are involved in an accident and the other party doesn't have adequate coverage. If the medical expense limit is exceeded, coverage for uninsured drivers can help with excessive injury-related expenses and offer additional coverage that would normally be provided by the other driver's bodily injury liability coverage.