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Uninsured Motorist Lawyer

Philadelphia Lawyer for Uninsured Motorist

In your lifetime, chances are good that you will be struck by another motorist who either has no insurance or has limited insurance to cover your losses. While it is important to protect your assets (which is why you are contracted with proper car insurance), it is equally important that you protect yourself and those in your car while behind the wheel.

Under Pennsylvania law, to drive your car legally, you must carry the minimum coverage available under the law. This usually means that you afford others (Bodily Injury Coverage) with $15,000.00 of insurance. This means that if you cause an accident, you are availing the party that you injured $15,000.00 for your negligence. Years ago, when Pennsylvania mandated that if you afford yourself with the same $15,000 in underinsured and uninsured coverage. However, Pennsylvania law has changed and now, for a cheaper premium, you can reject these coverages entirely. However, it would be a mistake to do so. Here's why:

Suppose instead of causing an Accident, you are the victim of an accident. Let's assume that you are sitting in your car at a red light and a car comes from behind and crashes into your car at a high speed. You have devastating injuries, and the driver of the car that hit you was texting at the time that he or she struck you. Your injuries are so bad that you lose countless months of work, and you will experience pain and suffering for the foreseeable future. What if the driver of the vehicle did not have insurance (for whatever reason)? If you declined underinsured motorist coverage, then you would be completely out of luck; unable to recover anything for your devastating injuries. If the person that struck you had limited or low coverage, you may be in a similarly bad position. In Pennsylvania, the minimum legal coverage is $15,000.00. If you have lifelong permanent injuries, this would hardly be enough to cover your life long damages. Unfortunately, if you reject your underinsured coverage, this $15,000.00 is all that you would get.

Protection for yourself and your loved ones is the most important concern when purchasing car insurance. In Pennsylvania, you can only afford yourself what you afford others with car insurance benefits. So if you have a $50,000.00 policy in the event you cause an accident, you can contract for up to the same coverage in Uninsured and underinsured motorist coverage. You cannot afford others less than what you afford yourself. At Greg Prosmushkin, P.C., our Experienced Lawyers deal with these issues every day. Consultations are free, and we encourage you to call or Contact Us online if you have any questions.

This content was written on behalf of Greg Prosmushkin.

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The Law Offices of Greg Prosmushkin, P.C.
9637 Bustleton Avenue
Philadelphia, PA 19115

Phone: 215-673-7733
Fax: 215-673-7933
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The Law Offices of Greg Prosmushkin, P.C.
1142 Brunswick Avenue
Trenton, NJ 08638

Phone: 609-257-4976
Fax: 609-656-1411
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The Law Offices of Greg Prosmushkin, P.C.
538 Street Road, Suite 200
Southampton, PA 18966

Phone: 215-297-6333
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