Although Pennsylvania law mandates that drivers purchase auto insurance, there will always be those who flout such rules and drive without coverage. So what options do Pennsylvania residents have to protect themselves against uninsured motorist crashes?
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.
One of the criteria for operating any type of vehicle on the roadway is to have viable motorist insurance. Unfortunately, even though this is a requirement, there are a number of motorists that are uninsured or underinsured and still insist on driving. When these types of drivers decide to take to the roadways, they put other drivers at risk if they are involved in an accident because the insured driver, if they are not at fault, will be on the hook for payment of their own damages until they can secure payment from the other party. This is an unfair situation for any insured driver.
As if being in a car accident is not stressful enough, being in an accident with an uninsured motorist is that much more stressful and anxiety-ridden. When involved in an accident with someone who is uninsured, there are a number of questions about who is going to pay for the damages resulting from the accident. The purpose of insurance is to protect the insurance holder against personal liability. Most people pay for car insurance because it is the law in most states and because its goal is to ensure that the insured is provided for when accidents occur.