How Much Can I Get From An Uninsured Motorist Claim

The amount available from an uninsured motorist claim depends primarily on your injuries, recoverable damages and the uninsured motorist (UM) coverage limits that apply to the accident. UM coverage is designed to protect an insured person when an at-fault driver has no applicable liability insurance. Potential damages can include medical costs, lost income, pain and suffering and other losses permitted under state law and the policy. Your policy limit is not automatically the amount you will receive; you still need to establish liability, causation and the value of your damages. In Pennsylvania, stacking may increase available UM limits when coverage for multiple vehicles can legally be combined, while a valid stacking waiver may reduce what is available. Other policy provisions, household policies or coverage disputes can also affect recovery. Review the declarations page and full policy rather than relying only on a coverage summary. Serious UM claims may require negotiation, arbitration or litigation against your own insurer if the parties disagree about value or coverage.