There are a lot of important decisions to make when you purchase car insurance.
While it can be tempting to save a few dollars and not to spend money on "extras" such as uninsured motorist coverage or underinsured motorist coverage, lack of coverage can be devastating if an accident does occur and the other driver does not have insurance.
Obviously, at the time that you purchase your car insurance you do not know whether you will be in a car accident with an uninsured or underinsured driver during the term of the insurance policy. Thus, it can be frustrating to spend money on the uninsured motorist coverage or underinsured motorist coverage and it can be difficult to decide how much you may need.
It is impossible to give you a blanket amount that would be appropriate for all Pennsylvania drivers. Instead, our experienced Pennsylvania car accident lawyers urge you to think about your financial situation and your family. We recommend that you purchase enough uninsured and underinsured motorist coverage so that you will not suffer significant financial losses or put your family at risk of financial ruin should you have the bad fortune of being hurt by an uninsured or underinsured motorist.
The peace of mind that this insurance will give you, and the benefits of the insurance should an accident occur, may be well worth the extra cost on your annual insurance policy.