If the other driver is reluctant to exchange insurance information after a car accident, it could be either because (a) they do not want to have their insurer increase insurance premiums or (b) they are uninsured or underinsured.
If it’s the latter, your life is about to get more complicated because you are trying to recover damages from someone who does not have insurance coverage to pay for your losses and damages.
“In this situation, unless you carry uninsured/underinsured motorist coverage as part of your auto insurance, you may never be able to get the maximum compensation you are entitled to,” warns our Pittsburgh uninsured driver accident attorney from SMT Legal.
While the likelihood of encountering an uninsured or underinsured motorist in Pennsylvania is much lower than in other states (our state has the sixth lowest number of uninsured/underinsured drivers in the nation), the risk of getting into a motor vehicle collision involving an uninsured driver still exists.
Let our experienced uninsured motorist accident attorney Pittsburgh explain your legal options to seek compensation if the other driver does not carry any insurance coverage.
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Luckily, most auto insurance companies in Pennsylvania offer their customers to purchase the so-called uninsured/underinsured motorist coverage, which is an optional coverage that offers you financial protection in the event of a car accident with an uninsured or underinsured motorist.
However, the uninsured and underinsured motorist coverages do not pay for all types of damages and losses incurred in a car crash involving a driver who has no auto insurance or whose insurance coverage is insufficient to pay for your medical expenses and other damages.
Uninsured Motorist Coverage applies when the other driver, who caused or contributed to the accident, does not have any insurance. This type of insurance pays for your medical bills and property damages.
If you are not sure whether you should sue the at-fault uninsured driver or seek compensation through an uninsured motorist claim, the latter makes more sense in the vast majority of situations. Our Pittsburgh uninsured driver accident lawyer explains that if the at-fault driver did not have enough money to afford insurance coverage in the first place, it is not like you can expect to recover a sizeable amount by suing that driver.
Underinsured Motorist Coverage, on the other hand, applies when the other motorist, who caused or contributed to your car accident, does not have enough liability insurance to provide full coverage for your personal injury and property damage claims.
Basically, what the underinsured motorist coverage does is it fills the gap between the compensation that you are entitled to and the limits of the underinsured driver’s liability insurance.
Since Pennsylvania is a no-fault state, drivers who get injured in car crashes have to rely on their own insurance company to recover the damages. However, motorists in Pennsylvania have the option to choose between no-fault insurance and traditional insurance. The latter allows drivers to keep their right to file a personal injury lawsuit against the at-fault party.