Uninsured Motorist Coverage is an automobile insurance policy coverage option which protects you from personal injuries in a car accident caused by another motorist who lacks insurance. Underinsured Motorist Coverage is automobile insurance policy coverage option which protects your from personal injuries in an auto accident caused by another motorist who lacks adequate insurance coverage to cover your damages. Uninsured Motorist Coverage pays for your injuries up to the amount of coverage purchased. Underinsured Motorist Coverage pays the difference between the injury suffered and the liability covered by the insurance of the at-fault motorist. Both are important and should be purchased.
You may ask why? It is a known fact, especially in this economy, that many Philadelphian’s lack automobile insurance. No one wants or expects to be injured in a car accident. However, a car accident with an uninsured, or underinsured, driver compounds the nightmare. This is especially the case where your injuries are substantial. The lack of adequate insurance places you and your family at risk for severe financial difficulties and maybe even the lack of proper medical care. This is a risk that you can quickly remedy.
Under Pennsylvania law, all drivers must be offered Uninsured and Underinsured Motorist coverage. The Philadelphia car accident lawyers at Geoffrey B. Gompers & Associates are experienced in handling such claims. We work diligently to help victims of auto accident injuries get the compensation they deserve under the law. Our accident attorneys represent clients throughout Pennsylvania and New Jersey. Please call 215-567-6600 for a free consultation or contact us online.