An increasing number of auto accidents in Pennsylvania involve uninsured and underinsured drivers. If you are injured by a driver who does not have enough insurance to pay for your medical bills and other damages, you can file a claim against your own uninsured or underinsured motorist (UM/UIM) coverage.
At the law firm of McCarthy Weisberg Cummings in Harrisburg, Pennsylvania, our attorneys offer a free initial consultation to answer your questions about underinsured and uninsured motorist claims or any other insurance coverage issue related to your accident.
Do I Have Coverage for Uninsured Drivers?
In Pennsylvania, your insurance company is required to offer you uninsured and underinsured motorist coverage equal to your liability coverage. Unless you specifically rejected this coverage in writing, it is a part of your auto insurance.
UM/UIM coverage protects you from uninsured drivers and drivers who do not have enough insurance to pay for your damages, and may protect you in cases of hit-and-run accidents. If you have UM/UIM coverage on more than one vehicle, you may be able to stack coverage, essentially increasing your coverage per accident by the number of vehicles on your policy.
Protecting Your Rights in an UM/UIM Claim
To receive the coverage you paid for, you need to follow the proper procedures in your policy. When you file an uninsured or underinsured motorist claim, your insurance company may assume a position that is adversarial to your interests and deny your claim if you make a mistake. Our lawyers will ensure that you receive the compensation you are due.
As long as the accident was not your fault, your insurance company is not allowed to raise your rates for filing a UM/UIM claim.
Contact Our Pennsylvania Underinsured Motorist Accident Lawyers
For a free initial consultation with one of our Harrisburg uninsured motorist accident lawyers, call 717-238-5707 or contact us online. We represent clients in Harrisburg and the state of Pennsylvania.