Choosing Pennsylvania auto insurance can be confusing enough; sometimes it feels like our policies are written in a completely different language. However, there's one piece of coverage you may want to consider, even though it is not mandatory—uninsured motorist and underinsured motorist insurance.
There are state requirements when it comes to carrying car insurance, but that doesn't mean everyone is going to follow them. Unfortunately, it's oftentimes the most dangerous, at-risk drivers who choose to drive without insurance. Why? They've probably been in too many car accidents, and the cost of insurance is simply too high for them now. This affects you because, if one of these uninsured or underinsured individuals causes a car wreck in which you're the victim, they aren't going to have the insurance to help cover your losses.
Your liability insurance is not going to pay for your car repairs, a rental car, your medical bills, lost wages, or pain and suffering.
Underinsured and uninsured motorist coverage is going to protect you from the people on the road who do not have enough, or any, car insurance. In general, people understand how someone could be uninsured—but how can you be underinsured? In Pennsylvania, the state only requires that you carry a minimum of $15,000/$30,000 for bodily injury liability. This means it will cover $15,000 per injured individual and up to $30,000 per accident. Those amounts of money may seem like a lot, but when you consider the costs of ambulances, hospitals, surgeries, medications...it can all add up too quickly.
To put it into perspective, most people will normally opt for $100,000/$300,000. So, even if the person who hits you is carrying the state's minimum required insurance, it still may not be enough to cover your losses.
If you have been injured in a car accident and the driver did not have enough, or any, insurance, you need an experienced car crash attorney. The team of lawyers at Schmidt Kramer have been helping injured drivers like you in hundreds of personal injury cases.
Contact us today for a free consultation at (717) 888-8888.
You are also invited to request a free copy of our book, Who Pays the Bills When You Are Injured In An Automobile Accident?