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What You Need To Know About Pennsylvania Auto Law If You Were Injured In An Accident And The Driver At Fault Does Not Have Car Insurance

Published 7/16/12

We help many victims injured in Pennsylvania car accidents all the time.  On numerous occasions, the driver at fault did not have car insurance, and the injured victims often worry about who is going to pay for their financial losses such as:

  • medical expenses,
  • prescription co-pays, and
  • lost wages.

Does that mean the injured parties are out of luck for recovering financial losses if the negligent driver does not have car insurance? The answer is no.

If the injured party had uninsured motorist coverage (UM) on their car insurance, then they can be made whole for all the losses and injuries they suffered as a result of the negligent uninsured driver.

What is Uninsured Motorist Coverage?

Uninsured motorist coverage is a type of insurance that you can purchase when you buy your car insurance.  It protects you in the event you are injured in a car accident by a negligent driver who does not have any car insurance.

UM coverage is optional and it is not mandatory.  When you buy car insurance, the insurance agent most likely will not explain how important UM coverage can be.

If you have adequate UM coverage and get in a car accident with a negligent driver who does not have car insurance, you will be protected financially.

In order to recover, you must make a claim against your own insurance company.  You will need an experienced lawyer to help make your uninsured motorist claim because it is a legal process.

If you were injured by a negligent uninsured driver in Pennsylvania and have questions about what you need to do to make an uninsured motorist claim, our experienced Pennsylvania car accident lawyers can answer your questions and concerns.  Contact us for a free, no obligation consultation @ 877.944.8396.

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