How does underinsured motorist coverage work in Pennsylvania?

damaged car after accident

When you are hit by a negligent driver, you may feel overwhelmed, scared, and in pain. However, you understand that you can file an insurance claim to ensure you recover the funds you deserve. Unfortunately, you may find that the driver who hit you doesn’t have insurance. As such, you may panic about how you will afford the medical expenses and mechanic bills resulting from the collision. It’s necessary to understand what underinsured motorist coverage is and how car accident attorneys can help you fight for the funds you deserve.

What is underinsured motorist coverage?

Underinsured motorist coverage is an additional insurance you can have that helps protect you if hit by a driver who is not insured or who does not carry adequate insurance. While it is mandatory in some states, it is not required of you in Pennsylvania. However, it is recommended to carry this form of insurance, as it can help, and Pennsylvania law requires that all insurance providers offer this form of coverage to motorists.

With underinsured motorist coverage, you will claim your own insurance company. While many hesitate at this thought, it’s necessary to understand that Pennsylvania law states that your rates cannot increase if you file a claim against this coverage if you were not at fault.

Many people underestimate the importance of this form of insurance, instead seeing it as an unnecessary expense. However, it can help ensure you receive compensation if you are hurt by a negligent, uninsured driver, or if you are the victim of a hit-and-run.

What should I do if I need assistance recovering funds?

Unfortunately, your insurance company may give you a hard time recovering funds via underinsured motorist coverage. They may claim that despite paying for the insurance, you do not have coverage or your claim was denied. This is because insurance companies don’t make money when they must pay out claims, even when you are not at fault for the collision. As such, they may give you a hard time when you are recovering the funds you deserve.

It’s important to understand that pursuing a lawsuit against an uninsured driver can be challenging. This is because they likely do not have insurance. After all, they cannot afford the minimum policy. As such, filing a lawsuit means you most likely will not recover considerable funds from the driver.

If your insurance company is giving you a hard time recovering funds from your underinsured coverage, connecting with an experienced attorney is critical. At Friedman Schuman, our dedicated team understands how difficult it can be to deal with insurance companies. As such, our team will do everything possible to assist you through these tough times to help you recover the compensation you are entitled to.

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