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.
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Williamsport Lyft Accident Lawyer
From the historic Millionaires’ Row to the vibrant downtown district, Williamsport, Pennsylvania offers no shortage of beauty, community, and entertainment. Tucked between the Susquehanna River and Bald Eagle mountain, Williamsport is a nature lover’s dream. But the unfortunate truth is that even in these picturesque surroundings, accidents can and do happen.
With nearly a 33% market share, Lyft is one of the most prominent rideshare services in use today, and Lyft accidents make up a notable portion of all car accidents. Rideshare accidents can lead to serious injuries, including broken bones, traumatic brain injury, spinal cord injuries, and even death. If you or a loved one has experienced a car accident while riding in a Lyft, or a car accident that involved Lyft in any capacity, we are here to protect your rights and help you seek compensation.
With a deep understanding of the unique transportation landscape in Williamsport and surrounding areas, […]
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What is Uninsured Motorist Coverage, and Do I Need it?
We drive a lot. It’s a daily act that becomes almost mundane, but being on the busy roads at any time of day brings you into close contact with literally hundreds of other drivers and vehicles.
Many of these hundreds of drivers are distracted by hundreds of things. An accident can happen in a split second. How confident are you that these drivers have sufficient or any car insurance policy?
Uninsured motorist statistics
If you’re the victim of a collision with an uninsured driver, or with a driver who has very little auto insurance coverage, you could be responsible for the entire financial burden of a car crash.
According to a 2021 study by the Malvern, Pennsylvania-based Insurance Research Council (IRC), 13 percent of motorists, or about one in eight drivers nationwide, is uninsured. […]
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How Much Can Someone Sue for a Car Accident?
In general, there is no limit to how much you can sue someone for a car accident. However, there are factors that may limit how much compensation you will recover in a lawsuit. Things like the severity of the injuries, the extent of the other party’s negligence and the coverage of insurance policies will all limit what you can recover.
How Much Can a Car Accident Victim Sue For?
Car accident victims can sue for economic and noneconomic damages depending on the severity of the wreck. The only way to really maximize the total compensation a victim may be awarded is by utilizing the legal representation of a car accident lawyer.
Potential compensation a car accident victim may be awarded include:
- Medical expenses
- Lost wages
- Diminished earning capacity
- Property damage
- Pain and suffering
- Loss of consortium
- Wrongful death
What will be awarded will also depend on the severity of the crash. […]
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What Does it Mean When You Stack Your Auto Insurance Policies?
Understanding Stacked Car Insurance
Understanding Stacked Car InsuranceIt 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? And why is it beneficial to stack your uninsured and underinsured motorist coverage? […]
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What Information Should I Obtain From the Other Driver After a Car Accident?
We all know the basics of car accident etiquette. Remain calm, check yourself and your passengers for injuries. And of course, swap contact information with the other driver(s) involved. But what additional information should you obtain from the other driver after a car accident? Further, how do you obtain that information during a stressful situation?
What Basic Information Is Needed From The Other Driver?
There is no doubt that car accidents are stressful and still, incredibly common. According to Driver Knowledge, more than 90 people die in car accidents every day.
Be it from distracted driving, driving under the influence, speeding, road conditions, etc., when a car collision occurs, drivers need to be prepared to take action immediately.
In general, insurance companies will request the following information from the involved drivers at the accident scene:
- Driver’s name and contact information
- Name and contact information of the driver’s insurance company
- Insurance policy number and expiration date
- Vehicle details (make, […]
