Pennsylvania Car Insurance Options: Uninsured Motorist Coverage

Required Minimum Coverage under Pennsylvania Law:

• Not Required

Our Law Firm's Recommended Minimum Coverage:

• $100,000 per person
• $300,000 per occurrence

All drivers are required by law to have insurance. However, even though it is illegal to drive without auto insurance in Pennsylvania, the unfortunate fact is that there are a surprising number of uninsured drivers on the road.

If you discover that the person who caused an accident has no car insurance, and you carry Uninsured Motorist coverage, your own insurance company steps in to take the place of the uninsured driver so that you can get money for your injuries. Uninsured Motorist Coverage applies whether you are a driver, passenger, pedestrian, or even the victim of a hit-and-run accident.

You are not required to purchase Uninsured Motorist coverage in Pennsylvania. And while you might save a few dollars on your insurance premium, not having the coverage when you need it could cost you literally thousands of dollars that otherwise would have been available for you to collect.

EXAMPLE:

You elect to carry Uninsured Motorist coverage at our recommended levels on your car insurance policy. You are injured in an accident caused by a driver who is uninsured. Because you have uninsured motorist coverage, your own insurance company will pay you for all recoverable damages up to the limits you have chosen on your coverage.

However, if you did not have Uninsured Motorist coverage, and if the uninsured driver has no assets, there may be no way for you to receive any money for your pain and suffering, lost wages, and excess medical bills.

If you own more than one vehicle, ask your insurance agent about stacking your benefits to get the most for your money.

Injured in a car accident? Put our experience to work for you.

For over 25 years, our attorneys have represented more than 30,000 people who have been injured in all types of accidents including car accidents. In addition our legal team has answered over 350,000 injury-related legal questions. When an injury from a car accident occurs and legal help is needed, experience counts.

Free Legal Evaluation

If you, or someone you care about, have been injured in a car accident, you can contact our law firm for a free evaluation by:

• Filling out a simple online form so we can evaluate your claim
• Calling toll free 1-866-227-6038. Our phones answer 24 hours a day/7 days a week

Our law firm will evaluate your claim free of charge and advise you on your legal rights to collect compensation. There is no obligation to use our services, and there is never a fee unless we get money for you.