Hit by an Uninsured Driver
If an uninsured driver causes an accident in Pennsylvania, you may still have potential sources of compensation. One of the first steps is to review your own automobile insurance policy to see whether you purchased uninsured motorist coverage.
Uninsured motorist, or UM, coverage is designed to protect insured people and other covered persons when they are injured by an at-fault driver who has no applicable liability insurance. Pennsylvania insurers offer UM coverage, although policyholders can reject it in accordance with statutory requirements. Coverage terms and limits therefore need to be checked rather than assumed.
Uninsured Motorist Coverage in Pennsylvania
UM coverage can also be relevant in certain hit-and-run situations. The Pennsylvania Insurance Department explains that uninsured motorist coverage can apply to injuries caused by an at-fault uninsured motorist or hit-and-run driver, subject to the policy.
Report the crash to police and your insurer promptly. Gather as much evidence as possible, including photographs, witness details and information about the other vehicle and driver. Seek medical care and retain records of treatment and financial losses.
Other Sources of Accident Compensation
It may be possible to pursue the at-fault driver personally, but whether that is practical depends on the driver’s assets and circumstances. Other insurance policies or responsible parties may sometimes exist.
A Pennsylvania car accident lawyer can review the insurance policies, investigate the other driver’s coverage and assess a potential UM claim. Do not assume that an uninsured driver means there is no claim. The available recovery often depends on the coverage purchased and the facts of the accident.