When you bought your car insurance, the chance that the insurance agent told you about the importance of uninsured motorist (UM) coverage is probably very slim. If you bought your car insurance online, no one explained the importance of UM coverage.
UM coverage protects you when you are injured in an accident, and the driver at fault doesn’t have car insurance. Even though the driver at fault doesn’t have car insurance, you can still recover for your injuries and damages by making a UM claim.
Often when we meet with our clients who were injured in Philadelphia car accidents with an uninsured driver, 99.9% of the time, they don’t know if they have UM coverage or not. Further, they don’t even know what it is. Many of them were lucky that they bought the coverage with a decent coverage amount. Some bought UM coverage, but the coverage was minimal. For those who were seriously injured, the minimum coverage on their UM coverage does not adequately compensate them.
In order to protect yourself in the event of an accident, check your car insurance policy for UM coverage. If you have questions after reviewing your car insurance, feel free to contact our Pennsylvania car and truck accident lawyers.