Being hurt in a car accident that was caused by someone elseís negligent behavior is frustrating enough.
However, the level of frustration can escalate quickly when you find out that the driver who caused your accident injuries was uninsured. Now what? Who is going to pay for your medical expenses and lost time from work? If you selected uninsured motorist coverage on your insurance policy then your own insurance company may need to pay your damages.
However, before you can be sure that um insurance will help you recover damages you need to know whether the insurance applies in your situation. For example, does Pennsylvania uninsured motorist coverage follow the car or household?
Generally, Pennsylvania um insurance follows you, the driver, and any others listed on your car insurance policy. For example, it may cover you while you are driving your own vehicle and it may cover your child who lives in the same household and is on the same policy when your child borrows your car.
Do you have UM insurance on your PA car insurance policy? Have you ever had to use it? Has your insurance agent talked to you about your options? If not, please talk to your agent today.