Uninsured Motorist (UM) and Underinsured Motorist (UIM) Coverage

As was mentioned on the Liability Insurance webpage, in Pennsylvania, drivers only need to have a minimum $15,000 per person, and $30,000 per accident of liability insurance coverage. Uninsured Motorist and Underinsured Motorist Coverage is optional insurance, but it helps to protect you in the event that you are injured due to the fault of another driver.

This is important because the minimum policy limits are often not nearly enough to adequately compensate someone’s injuries or damages involved in even a moderate accident.

Uninsured motorists coverage provides you, the insured, with additional coverage in the event that you are involved in an accident caused by a negligent driver who is driving a vehicle without the proper insurance. This would enable you to make a claim against your own insurance policy, who would either settle the case by paying you an agreed-upon amount, or the insurance company would pay the judgment that you would receive against the negligent uninsured driver in a lawsuit.

Underinsured motorists coverage works in a similar manner, but would apply in the event that your injuries resulted in damages that exceeded the policy limits of the negligent driver’s coverage.

Both uninsured and underinsured motorist insurance are highly recommended. After all, even if you are a very good driver, you cannot control the actions of the other drivers on the road. This coverage provides you with additional protection for injuries caused by the fault of another driver.

If you or a family member has been injured in a vehicle accident, please use our Contact Form or call us now at 1-888-4-WFJ-LAW. There is no fee for an initial consultation on personal injury cases. Additionally, since personal injury cases are handled on a contingency fee basis, there is no charge for our services unless you receive money for your case.

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