When you purchase a vehicle in Pennsylvania, you are required to purchase an insurance policy to cover your vehicle in case of an accident. Currently, the law requires a minimum policy limit of $15,000 per person and $30,000 per accident to cover injuries caused to another.
When you find yourself in a car accident, if the party responsible for causing the accident doesn’t have the right auto insurance, you can contact your insurance company and seek compensation from them. Here is how it works, and why every driver in Pennsylvania should have uninsured motorist coverage.
“Just In Case” Protection
Let us assume that you are hit by a driver who doesn’t have any type of car insurance. What do you then? Who do you call and how do you get compensated for the injuries you sustained and for the damage done to your vehicle?
This is where your Uninsured Motorist Coverage kicks in. It protects you when the party at fault doesn’t have any type of insurance. All you have to do is contact your insurance company, and let them know of the accident, how and where it happened, and what injuries you sustained. You will end up getting the compensation for your injuries and property damages. These involve:
- Pain and suffering
- Loss of earnings
- Medical bills
- Personal injury damages
To better understand how Uninsured Motorist Coverage works, contact one of auto crash attorneys in Pittsburgh and schedule your free initial consultation today.
Where it Applies
Uninsured Motorist Coverage applies to many different situations. The most common scenarios where uninsured motorist coverage can reach its full potential are:
- Getting in a vehicle accident caused by a negligent driver
- Getting hit by a bike or a motor vehicle while you are outside of your vehicle
- Being a victim of a hit-and-run accident
In any of the above-listed situations, the key is to be a victim in a car accident in order to be compensated for your injuries and medical bills. Another thing that is “a must” is for the other party not to have proper car insurance, or to lack liability insurance.
Statistically speaking, there is a high chance that you will end up in a car accident where the other driver simply “didn’t have enough money” to pay for auto insurance. A huge amount of drivers in Pennsylvania doesn’t have proper automobile insurance, and for that reason, having Uninsured Motorist Coverage is something you should definitely consider when purchasing your car insurance. Even if the insurance company doesn’t mention it as an option, ask for it and ask them to explain it to you.
If you need more information about uninsured motorist coverage, Pittsburgh car accident attorneys will happily provide you with all the information you need. All you have to do is call them, schedule a free consultation and ask anything you want to know. You are not required to hire attorneys after the consultation.