Your Rights After Being Injured by An Uninsured Motorist Coverage

Pennsylvania requires every driver to have a sufficient amount of car insurance. Drivers are required to have $15,000 for death and bodily injuries, $30,000 for injury or death involving more than two people and $5,000 for the damage that is done to other people’s property. You have rights if you are involved in an accident with an uninsured motorist.

Uninsured Motorist Coverage

You have the right to get uninsured motorist coverage. You can sign up for this when you get auto insurance. If you have uninsured motorist coverage, then the insurance company will pay up to the limit. It will cover your lost wages, medical expenses and other economic losses.

Collision Coverage

Your uninsured motorist coverage will not pay for damages that are done to your car or damages that are associated with towing. However, you can get it covered by collision car insurance. You will have to meet a deductible before you get any coverage.

Medical Payments Coverage

If you have medical payments coverage, then it will pay for the medical expenses of people who are involved in the accident. It does not matter who was at fault for the accident. The insurance company will pay up to a policy limit.

Health Insurance

You can use your own health insurance to pay for your medical bills. It doesn’t matter whether you have your own personal insurance, or if you get it from your job. You will have to meet a deductible before the insurance covers anything. There is also a policy limit that will apply.

What If You Are Involved in an Accident With a Hit And Run Driver?

A hit and run accident is when someone who is involved in the accident flees the scene. You will not be able to file a claim because you do not have the other driver’s information. However, if you have uninsured motorist coverage, then it can cover a hit and run accident.

File a Lawsuit

If you are involved in an accident with an uninsured driver, then you have the option of contacting a car accident lawyer in Greater Philly. You need an attorney because they will be able to guide you throughout the process. They will make sure that you are adequately compensated for your injuries, pain and suffering. If you have missed time at work due to your injuries, then you can also get compensated for that.



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