How Much Can I Get From An Uninsured Motorist Claim

How Much Can I Get From an Underinsured Motorist Claim?

Ultimately, there is no flat number for how much you can get from a claim. It comes down to your injuries, what you can actually prove in damages, and the uninsured motorist (UM) coverage that applies to your accident. UM coverage exists for exactly this situation: the driver who hit you doesn’t have liability insurance to cover what they owe you.

That said, your policy limit isn’t a guarantee. It’s a ceiling, not a starting point. You still have to establish that the other driver caused the crash and put a real number on your medical bills, lost income, pain and suffering, and whatever else the law and your policy allow.

In Pennsylvania, stacking can push that ceiling higher. If you’ve got UM coverage on more than one vehicle in your household, you may be able to combine those limits into one larger pool, unless you signed a stacking waiver, which cuts the other way. Other things, like how your household policies are structured or a dispute over what’s actually covered, can move the number too, so it’s worth reading your full policy rather than trusting a one-page summary.

When the value of a claim is contested, it doesn’t always end with a phone call. Some UM claims get resolved through negotiation, some go to arbitration, and some end up in a dispute against your own insurer. If you’re not sure where yours stands, an uninsured motorist accident lawyer can walk through your policy and tell you what you’re actually working with.