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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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? […]
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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, […]
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What Happens if the At-Fault Party Doesn’t Have Car Insurance?
What to Do In Car Accident with Underinsured or Uninsured Motorist
You may be asking yourself, If I’m involved in a car accident, and the at-fault driver doesn’t have car insurance, what happens to me? In Pennsylvania, that answer largely depends on the type of insurance coverage you have, including underinsured motorist coverage. Typically, however, you can file a compensation claim with your own insurance company or file a personal injury or car accident lawsuit against the other driver.
Pennsylvania Drivers Are Required to Carry Insurance
In Pennsylvania, drivers are required to carry insurance coverage. Known as no-fault or Personal Injury Protection (PIP) coverage, no matter who is at fault in the accident, the initial medical bills are covered by your own insurance company, […]
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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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