What is Uninsured Motorist Coverage
Uninsured Motorist Coverage (UM) is an addition to a standard auto insurance policy that provides coverage for damages incurred by an individual in an accident. It takes effect when the other driver is at fault for the accident and is uninsured.
UM does not pay anything to the uninsured driver in an accident, only the injured person with a policy. It ensures that when a person is injured by an uninsured driver, they can recover damages at least up to the limits of their policy. UM can cover all medical expenses brought about by an accident, cover wages that are lost as a result of the injured party not being able to work following an accident, and even cover damages in hit and run cases in which the uninsured driver flees the scene without the possibility of being identified.
UM is important because it is one of the only ways to protect against uninsured drivers in case of an accident. It prevents drivers from needing to pay extensive out-of-pocket costs in such circumstances, which increases overall well-being and financial security. UM is so important that some states require that drivers purchase them with their insurance policies, rather than letting it be optional.
More information about Uninsured Motorist Coverage
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Understanding Stacked Car Insurance
It is estimated that 12.6 percent of motorists on the road in 2019 were driving without car insurance. That equals to approximately one in eight drivers are behind the wheel without insurance. Not only is this illegal and dangerous, but getting into an accident can be costly to all involved.
If you get into a severe car accident in Pennsylvania with an uninsured motorist, your first concern may be how will you pay for your medical expenses. Will you be stuck with the bill?
Fortunately, there are provisions in your insurance policy that will pay for any of the injuries you may receive. And if your underinsured and uninsured motorist coverage is stacked, then you won’t have to worry about paying for the large medical bills.
But what is stacked insurance? […]
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Pennsylvania Car Insurance Requirements
If you suffer a car crash in Pennsylvania, the right car insurance can make all the difference
Follow these tips from the nation’s leading car and truck accident lawyers
In truth, nobody wants to think that they will ever crash their car. We all think it can’t happen to us. However, the Centers for Disease Control & Prevention (CDC) reports that there are 6 million motor-vehicle accidents in the United States every year. Of that 6 million crashes, 3 million Americans suffer serious injuries. Over 36,000 drivers and passengers die each year. Pennsylvania drivers must carry car insurance by law. However, choosing the right auto insurance is a whole separate matter. In the event of a catastrophic automotive crash, the right auto insurance can make all of the difference. To help you choose the type fo car insurance that is right for you, […]
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