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How can drivers protect against PA uninsured motorists?

As if being in an accident is not annoying enough, the situation is only exacerbated when the person that hit you is an uninsured/underinsured Pennsylvania driver. Insurance is what protects victims in a motor vehicular accident. If there is any property damage to the vehicle, then theoretically, the person who was at fault’s insurance takes care of the matter. Now, this turns into a theoretical situation when the driver at fault is uninsured or underinsured. So, if an uninsured driver causes an accident, the victim may still have to bear the brunt of paying for damages.

There is a way for responsible insured motorists to protect themselves against an uninsured motorist accident by purchasing car insurance coverage that is specific to accidents caused by drivers that do not have insurance does this. This is called uninsured motorist insurance. Because victims in a car collision do not want to be saddled with even more responsibility and worries, this type of car insurance is a pretty good idea. This gives insured motorists an added peace of mind regardless of who is at fault in the accident.

To understand how all of this potentially impacts a vehicular crash, it is important to understand the definition of uninsured motorist. An uninsured motorist is a motorist with no insurance. This is significant because it impacts the victims in a car accident. Even though an individual may not have car insurance, an accident victim can sue in court where appropriate. The court will look at the facts and circumstances surrounding the accident including but not limited to the fact that the driver that caused the accident was uninsured.

Understanding how uninsured motorist insurance works and utilizing it can be a game changer. Asking for help can often be the first step starting that change.

Source:, “Uninsured Motorist Car Insurance Is An Important Investment!,” Jan. 10, 2015