The terms "underinsured motorist" and "uninsured motorist" are sometimes used in an interchangeable manner. They do have similar meanings, but in Pennsylvania, there are slight differences. An uninsured motorist -- "UM" in insurance parlance -- has no insurance coverage at all. An underinsured motorist (UIM), on the other hand, has insurance, but an insufficient amount to cover the claims in a car accident in which they were involved. In Pennsylvania, a driver is only required to maintain liability coverage, which may not be enough in the event of an accident.
Being involved in a car accident can be traumatic enough but, after unexpectedly being hit in a car accident, it can be overwhelming to discover the other driver does not have car insurance. You may wonder what to do and the answer is that uninsured motorist and underinsured motorist insurance coverage can help. Uninsured motorist and underinsured motorist coverage can help with the damages suffered in an uninsured motorist accident.
Unexpectedly being involved in a car accident caused by another driver is an unpleasant experience for any motorist. When the victim has suffered injuries and other harm, it can be even more troubling to discover that the negligent driver does not have car insurance. Fortunately, there are options for car accidents victims harmed by an uninsured motorist or underinsured motorist in a car accident.
Nothing can ruin a person's day like a car accident. One minute, it's just another day on the road. The next minute, your car has been damaged and perhaps you've suffered injuries. What do you do if you discover that the other driver does not have liability insurance?
Most drivers today understand the protocol involved when and if you are involved in a car accident. After checking yourself and any passengers for injuries after a car accident, the drivers of the involved vehicles should exchange personal and insurance information. But, what happens if the driver that caused your injury or property damage is underinsured or not insured at all? Many Pennsylvania residents, knowingly and unknowingly, have a clause written into their own insurance protecting them from such a situation.
A small percentage of Pennsylvania car accidents that happen involve an uninsured or underinsured driver. These drivers are categorized as such because they do not have adequate, or in some instances, any car insurance. Car insurance protects drivers from themselves and also from other drivers when they get into car accidents. When involved in an accident with an underinsured or uninsured driver, those who are injured often have questions.
Car accidents can be extremely expensive in Pennsylvania. Even small accidents can result in thousands of dollars in property damage or medical expenses from the accident. In many cases, people need help paying for these expenses following the crash. Often, this is where car insurance comes into play.
There are some issues Pennsylvania residents would rather avoid. For example, it can be easy to become lost in the maze of insurance companies that exist, each making different promises about the rates and coverage they provide.
Nobody is above the law. And yet, many Pennsylvania residents still refuse to follow vital laws on the books, which causes great harm to others in the state.
A car accident can be really scary for the people involved. They may be emotionally rattled from the experience, causing fear and anxiety. They may also be suffering from physical injuries. These may cause pain and keep people away from the things they enjoy. A serious injury may threaten a person's life or keep a person away from the individual's job.