Underinsured Motorist CoverageUnderinsured motorist coverage protects you and your loved ones in the event that you are a victim of a negligent driver who is underinsured. For example, earlier we explained that the minimum coverage required by law is $5,000 for medical expenses. If you and/or a loved one was struck by a negligent driver with only the minimum coverage on their policy, and your medical bills, wage loss, and pain and suffering exceed that coverage your underinsured motorist insurance would then cover those expenses.
In order to do this you would file a claim against your insurance company for the benefits you deserve. If you do not have underinsured motorist coverage then the only compensation you will receive is the minimum $5,000 from the underinsured negligent driver who hit you.
Our Experienced Pennsylvania Accident Lawyers Can HelpWe represented a client's daughter who was killed in a motor vehicle collision when the person she was driving with rolled his vehicle. The person who was driving only had $250,000 worth of insurance. The mother and rest of the family where the daughter lived had no underinsurance. Since the person who was at fault had no assets, the Mother only received $250,000 for the death of her daughter.
In the same month we also represented a client who was injured in a rear-end car collision. The person had herniations in his back, which caused pain and prevented him from working. Our client received $250,000 from the person who was at fault and injured him. Since this client had underinsurance in the amount of $400,000 he received a total amount of $650,000. As you can see, it is very important for you to make sure that you have underinsured and uninsured coverage on your car insurance policy.
A car collision is traumatizing enough, fighting with your insurance company or stressing over how you’re going to pay your bills shouldn’t be your focus; your focus should be on recovering and putting your life back together.
It is of the utmost importance that you consult with our PA accident lawyers about handling your car accident claim; it has been proven that personal injury victims obtain far more money once they hire an attorney.
Never agree to a quick settlement. The job of an insurance adjuster is to pay you the least amount of money possible to settle your claim. There are many exceptions and technicalities to battling the Insurance Companies that if you are not aware of could cost you hundreds of thousands of dollars. Our car accident lawyers are experts when it comes to dealing with insurance companies and will fight aggressively on your behalf to get you or your loved one the compensation you deserve.
Please, call our Pennsylvania car crash lawyers now at our local numbers or toll free at 1-800-444-5309 as we represent all Pennsylvania residents
Back to Auto Insurance Laws