Uninsured motorist coverage, or UM insurance, is not required in Pennsylvania. However, it is a good idea. Consider what would happen if you were in an accident with an uninsured motorist in Pennsylvania and you did not have a um policy.
You might not have recourse to recover damages from any insurance company. Any medical expenses not covered by your health insurance would have to be paid out of pocket, your lost income would be your own financial burden to bear, and your pain and suffering would not be reimbursed unless you were able to recover damages straight from the uninsured motorist you hit you. You need to understand that that scenario is very unlikely. If a person doesnít have insurance coverage then chances are good that he or she cannot afford to pay your expenses out of pocket.
You need an experienced Pennsylvania auto accident lawyer to help you determine your rights. Call an attorney today to set up a free consultation and to learn more about your rights and your potential legal recovery.
Your potential outcome and recovery changes significantly if you carry um insurance. If you have a um policy then your own insurance may cover your damages and the costs may not come out of your own pocket.
It may be too late to protect yourself after an accident with an uninsured driver in Pennsylvania. The time to protect yourself is when you renew your policy. Next time you renew your car insurance policy think about whether the extra few dollars that um insurance costs are worth it by thinking about what would happen to you and to your family if you do not chose to have um insurance.