Uninsured Motorist Coverage: Pennsylvania

Trying to figure out if you need Pennsylvania uninsured motorist coverage? Even though uninsured motorist coverage is not compulsory for motorists in Pennsylvania, you need to get it, because recent reports indicate that as much as 10% of Pennsylvania adults are driving without insurance.

Basically, uninsured motorist protection insures damage for bodily injuries for which an uninsured driver is legally responsible but not able to pay. This type of coverage is often termed Pennsylvania hit and run insurance. Without this type of coverage, you may have to cover doctors costs connected with a vehicle accident for which you were not at fault. Don’t have uninsured motorist insurance? If not, we urge you to find out how much it would cost to add it to your insurance policy. Fortunately, we have partnered with an extensive array of Pennsylvania auto insurance providers that can offer you uninsured motorist coverage. Enter you zip code to compare rates!

Pennsylvania Uninsured Motorist Law

As stated previously, UM/UIM insurance is not compulsory in Pennsylvania. When an individual fails to carry 15/30/5 in coverage (in thousands of dollars) for bodily injury and damage to property, he / she is not fully insured. In this case, uninsured motorist insurance should cover the disparity between what the motorist responsible is able to pay, and the amount that is owed.

Accident With an Uninsured Vehicle in Pennsylvania?

Have you been hit by a driver who was not insured? In 48 states, it is deemed against the law for a road user to drive without insurance, and may be considered a criminal offense. Of course, it’s important to have an attorney analyze your uninsured motorist case.