Motor vehicle accidents are almost always stressful, and, depending on the circumstances, may lead to significant injuries (whether those injuries are physical, psychological, and financial in nature). In Pennsylvania, as in other states, drivers may feel more secure facing the challenges and risks of the road because they assume that insurance companies will ultimately cover the damages in the event of an accident — but what happens when you get involved in an accident with an uninsured or underinsured motorist?
In a motor vehicle accident where the defendant is an underinsured or uninsured motorist, you will be presented with unique challenges and complications. For example, if you decide to pursue litigation against the defendant-motorist directly, you may succeed in proving liability but be unable to recover full damages to compensate you for your injuries. Further, negotiations with insurers can be quite frustrating in situations involving an underinsured or uninsured motorist.
As underinsured and uninsured motorist claims can be so difficult to litigate and fully recover from, it’s essential to consult an attorney who is experienced in underinsured or uninsured motorist claims so as to secure adequate compensation to cover your various injuries and losses. To get connected today, call The Law Office of Mark A. Smith at (412) 368-8398 for a free consultation with lead Attorney Smith, who has successfully helped clients recover on claims against underinsured and uninsured motorists for many years.
Despite the fact that Pennsylvania law requires that drivers carry minimum liability coverage of $15,000 per person and $30,000 per accident, many Pennsylvania drivers simply lack insurance coverage altogether (the Insurance Research Council estimates that 6.5% of drivers in the state are uninsured).
Even those motorists covered by insurance may be considered “underinsured.” Underinsured motorists generally do not have substantial enough liability coverage to pay damages in the event of a serious accident. For example, suppose that you are injured in a motor vehicle accident by another motorist. Your damages are roughly $200,000 in total, but the defendant-motorist has only the bare minimum $15,000 liability coverage. As such, even if you were to succeed in proving that the defendant is liable for your injuries, their insurance would only cover $15,000 of the much larger total.
In order to protect yourself against the risk of an uninsured or underinsured motorist, you should purchase uninsured/underinsured motorist coverage on your policy. In the event that an uninsured or underinsured motorist causes injuries to you in an accident, your own insurance coverage will compensate you for your injuries.
When making an uninsured/underinsured motorist claim, you can be compensated for:
Attorney Mark A. Smith has 23 years of experience litigating a variety of motor vehicle accident claims, including those involving uninsured or underinsured motorists. Call (412) 368-8398 or fill out the online contact form for a free consultation with Attorney Smith. Though most law firms try to keep clients away from attorneys (and will generally do everything in their power to minimize your time with your attorney), Mark operates differently. He is available at any time to discuss your case and will guide you through the process from beginning to end.