Pennsylvania law requires drivers to have at least some kind of insurance to protect against enormous financial loss if you were in an accident, including medical bills and car damage for both yourself and the other party in the crash. Unfortunately, not every driver in the Philadelphia area follows that law perfectly. There are still many drivers who drive without car insurance which can cause serious problems if you are in an accident with someone who does not have insurance.
There are an estimated 8% of drivers in the Philadelphia who do not have car insurance, and there are many accidents caused by these drivers. This causes problems because the driver at fault does not have coverage from their insurance company to pay for the other driver’s injuries or car repairs. As a victim, you cannot rely on the other driver’s insurance to provide you with the compensation you deserve for your injuries or property damage. You run into similar problems with drivers, called underinsured motorists who have only a little bit of insurance, but not enough to cover your medical bills and car repair bills.
Your insurance policy may cover situations involving accidents with uninsured or underinsured drivers, so read your policy carefully. This kind of coverage is intended to provide the compensation you need if you were to be hit by an uninsured driver, as a way to ensure that you can financially cover the bills incurred by the accident. Unfortunately, many insurance companies try to avoid paying out this kind of coverage, even if you were involved in an accident with an uninsured or underinsured driver as outlined in the policy. The reason for this is that they are trying to make a profit, and they often view these as unnecessary claims. There are very strict rules that most companies require you to follow for these types of claims, such as a thirty day time limit on filing the claim and also requiring a claim with a third party involved, called an arbitration claim. Before you get involved in this difficult process, call a lawyer in the Philadelphia area who specializes in claims involving uninsured or underinsured drivers. Your attorney can act as the arbitrator for your particular claim, negotiating with the insurance company on your behalf and fighting to get you the full compensation to cover your medical bills, car repair, and pain and suffering after the accident.
Make sure to get the other driver’s information, because it will be your responsibility to find out if they have enough car insurance or not. The office of the Secretary of State will carry records about their insurance, which you and your lawyer can request. You can also call the insurance company (if the other driver gives you the name of one) to make sure that their coverage is still in force and has not lapsed or been canceled. You should also do the same things that you would do in any kind of car accident, including take photographs, gather the information of any witnesses and of the other driver, and visit a doctor or the ER to take care of your health, which should be your top priority. Be sure to check your own insurance policy to see if uninsured or underinsured motorist accidents are covered.
The Assigned Claims Plan (ACP) in Pennsylvania is another option if you’ve been hit by an uninsured motorist. The fund provides up to $15,000 for qualifying cases involving Pennsylvania citizens to cover medical bills and property damage for people who have been hit by uninsured drivers or in hit and run accidents. Your Philadelphia personal injury lawyer will help you build a solid case to make sure you qualify.
Our lawyers have years of experience handling cases in the Philadelphia regarding car accidents with uninsured or underinsured drivers. They will negotiate with your insurance company on your behalf and, if necessary, will help you apply for ACP funds. You can count on their knowledge to get you the settlement that you deserve so you won’t have to suffer financially from your accident.