Getting involved in a car accident is stressful and complicated, and liability can come into question. If the liable party is underinsured or not insured at all, the stress can become completely overwhelming. Now, you are faced with the question of who will pay for your lost wages, medical expenses, and loss of property. In the end, you may have to cover your expenses yourself.
If the other driver is at-fault, they may be liable to cover your losses, whether they are insured or not. In the state of Pennsylvania, it is mandatory that if you are behind the wheel, you must be insured. Unfortunately, one out of seven drivers in Pennsylvania are uninsured. The minimum policy guidelines for insurance coverage are so low, that if you were involved in a car accident and the liable party had minimum insurance coverage, their policy most likely will not cover your lost wages, health expenses, or damaged property. The minimum insurance guidelines for Pennsylvania drivers include:
- Limited tort coverage
- $5,000 property damage liability
- $5,000 medical coverage
- $15,000/$30,000 for bodily injury liability
If the liable driver is uninsured, getting your expenses covered will become more complicated. More often than not, if you are in an accident with an uninsured driver, a driver with minimum coverage, or it is a hit-and-run scenario, you will end up paying for your own expenses. You may be able to sue the liable party to cover your medical bills and lost wages, but you may only win back your money if the liable party has any assets that can compensate you.
It is imperative that you protect yourself in case this situation ever occurs. If you have the uninsured/underinsured option, your insurance company will help cover what you need, and it is normally a straightforward process. You do not have to worry if the liable party’s insurance coverage can cover your losses. Be sure to follow your insurance company’s guidelines if the issue ever occurs, always keep the appropriate documents, and contact a car accident attorney to help you obtain the compensation you deserve.
Philadelphia Car Accident Lawyers at McCann Dillon Jaffe & Lamb, LLC Help Those Injured by Uninsured Drivers
If you were involved in an accident with an uninsured driver, contact the Philadelphia car accident lawyers at McCann Dillon Jaffe & Lamb, LLC right away. Our experienced and knowledgeable lawyers will obtain the compensation afforded to you. Call us today at 215-569-8488 or fill out our online form for a free consultation. Located in Philadelphia, Abington, and Media, Pennsylvania; Wilmington, Delaware; and Haddonfield, New Jersey, we serve clients throughout the surrounding areas.