In Pennsylvania, it is a requirement that all vehicles that are registered carry minimal insurance. That being the case, there are drivers who are on the road that are uninsured. If you are injured in an accident by an uninsured driver, you can sue the driver and owner of the car that caused the accident.
The issue that I have seen is that when a driver has no insurance, they typically have no assets or money to collect. You can’t get blood from a stone.
Fortunately, you are able to protect yourself from that situation by adding Uninsured Motorist coverage to your auto policy.
Uninsured Motorist coverage covers instances where the at fault driver does not have insurance. Your own auto policy will compensate you. Underinsured Motorist coverage is used when the at fault driver doesn’t have enough coverage for your injuries.
I advise my clients to check their own insurance policies and make sure they have two things: 1) That you elected the Full Tort Option, that is always critical, and 2) that you have enough Uninsured and Underinsured Motorist Coverage to make sure that you will be compensated for your injuries if you are seriously hurt in a car accident.
If you have any questions about the topic discussed in this article, or any other legal matter, please give us a call at Bononi & Company 724-832-2499.