Many people believe that Uninsured or Underinsured motorist claims are only for illegal drivers who do not have insurance, or those who only have the minimum amount of coverage. Most major Pennsylvania car accidents result in serious injuries that are not fully covered by insurance.
How can a $15,000 policy of insurance even start to cover an injured person for the thousands in medical bills, lifetime accommodations, nursing care costs, rehabilitation, medication cost, lost wages, and other expenses that result from a serious injury?
Your protection for yourself and your family members is provided by your motor vehicle insurance policy. These benefits are available to anyone who is not legally licensed or has only the minimum coverage. Most people believe their motor vehicle insurance coverage is for protection against injuries if they cause an accident. The opposite is true for Uninsured and Underinsured motorist coverage. Your car insurance company provides coverage that covers you if you are injured by the negligence of another.
How you can be compensated by your own policy
You can purchase coverage for Uninsured or Underinsured motorist insurance when you buy your first auto insurance. This coverage will ensure you are entitled to fair compensation for your injuries regardless of whether the driver who caused the accident is uninsured or if their insurance does not cover all your expenses. Do not leave the decision about your injury’s coverage up to the person who caused it and the policy coverage they chose.
Many people don’t realize that they can obtain compensation through their own insurance policy for no cost. Even more don’t know how to do it effectively. Your insurance company can compensate you for the injury if the person responsible for it doesn’t have enough or any insurance. Only if your motor vehicle insurance policy includes Uninsured or Underinsured motorist benefits.
The New Rules for Uninsured Motorist Coverage
Mandatory arbitration clauses in insurance policies that were written over a year ago limit the rights of individuals to sue their insurers. Injured persons can pursue litigation if necessary to obtain fair compensation under their uninsured or underinsured motorist coverage.
We strongly recommend that you buy automobile insurance with Uninsured or Underinsured motorist coverage. This will provide you with recourse in the event you are injured by an uninsured motorist.
Insurance companies often offer savings by “writing down” or “signing down” coverage. You agree to lower your only level of protection or shield in the event you are hurt or cause an accident. Your liability coverage should not be less than your Underinsured or Uninsured motorist coverage. If you have $100,000/$300,000.00 motor vehicle insurance policy, your Uninsured and Underinsured coverage should not be less. These are your only protection if you are hurt by someone without motor vehicle insurance. We do not recommend that you lower these values.
Here are some things you can do in the event of a motor vehicle accident.
1. Photograph your injuries
2. Keep a journal of your feelings
3. All prescriptions related to your injuries should be saved
4. Collect any debris that remains at the accident site.
5. Take photos or video of trees and other obstructions that may have contributed to your accident.
6. Write down all details that you have if the driver who hit and killed you was drunk.
7. Keep a copy all diagrams, notes and diagnostic results that relate to your medical treatment.
8. Keep track of lost days at work and any wages that are lost
9. Photograph any evidence of roof crush, or failure of support columns if you are hurt in an SUV rollover
10. Get treatment right away if you believe you are injured
