PA Auto Insurance: Uninsured Motorist Coverage
Required minimum coverage under Pennsylvania law:
- Not Required
Our law firm’s recommended minimum coverage:
- $100,000 per person
- $300,000 per occurrence
All Pennsylvania drivers are required by law to have auto insurance. However, even though it is illegal to drive without auto insurance in Pennsylvania, the unfortunate fact is that there are a surprising number of uninsured drivers on the road.
If you discover that the person who caused an accident has no auto insurance, and you carry Uninsured Motorist coverage, your own insurance company steps in to take the place of the uninsured driver so that you can get money for your injuries. Uninsured Motorist Coverage applies whether you are a driver, passenger, pedestrian, or even the victim of a hit-and-run accident.
You are not required to purchase Uninsured Motorist coverage in Pennsylvania. And while you might save a few dollars on your insurance premium, not having the coverage when you need it could cost you literally thousands of dollars that otherwise would have been available for you to collect.
EXAMPLE:
You elect to carry Uninsured Motorist coverage at our recommended levels on your car insurance policy. You are injured in an accident caused by a driver who is uninsured. Because you have uninsured motorist coverage, your own insurance company will pay you for all recoverable damages up to the limits you have chosen on your coverage.
However, if you did not have Uninsured Motorist coverage, and if the uninsured driver has no assets, there may be no way for you to receive any money for your pain and suffering, lost wages, and excess medical bills.
If you own more than one vehicle, ask your insurance agent about stacking your benefits to get the most for your money.
