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The Importance of Uninsured and Underinsured Motorist Coverage

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Daniel J. O'Brien
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Imagine driving down the road and getting into a catastrophic accident--the kind that results in serious, permanent injuries.  You spend weeks in the hospital and your career is over because of the extent of your injuries.  Assume that the driver of the car that hit you had no insurance at all.  In this scenario, if you do not have uninsured coverage, you will recover nothing and will be left to face the economic consequences of the accident all on your own.  Now assume that the driver of the car that hit you had a minimum policy worth only $15,000.  In that scenario, if you do not have underinsured coverage, you will only recover the $15,000 and nothing else. 

This situation is entirely avoidable by purchasing the right amount of uninsured and underinsured coverage.  Under Pennsylvania law, the default amount equals the amount of bodily injury coverage you purchase.  If you opt for amounts lower than the bodily injury coverage, you must sign a special waiver or what is called a "sign down" form. 

Many times we buy car insurance without fully understanding our options and without understanding the full importance of our selections.  Since 1960, the number of cars on the road in the U.S. has gradually increased.  The Department of Transportation estimates that there are over 250 million cars on the roads in the country.  Serious, devastating car accidents are much more common than we all think and one step we can take to protect ourselves and our families is to purchase uninsured and underinsured coverage.

Click on the title above to access my article on uninsured and underinsured motorist coverage.

For a trusted legal team that will give your case the personal attention it deserves, contact a Philadelphia and New Jersey injury lawyer at White & Williams LLP today. We will provide a free, no obligation consultation on your case. 1-877-944-8396

Category: Car and Truck Accidents


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