Although almost every state has a minimum insurance requirement you must meet before driving behind the wheel of a car, there are still many people who drive without it—illegally. According to the Insurance Research Council, approximately 1 in 8 drivers doesn’t have auto insurance. Even if you have insurance and follow the rules of the road, you’re still vulnerable to accidents with an uninsured driver. If this happened to you, stay calm and follow these tips:
Now that you have all of the information you need, you’ll want to contact your insurance company as soon as possible to inform them of the accident. Make sure to mention that you were hit by an uninsured driver, since that’ll affect the entire process. The good news is there’s a way to be proactive about your protection in the event you were to be hit by someone without auto insurance: uninsured motorist coverage. Uninsured motorist coverage (UM) is additional coverage that you can purchase from your insurance company. UM coverage protects you when you are involved in an accident with a driver who does not have car insurance and who is found to be at fault for the accident. While this is optional coverage in Pennsylvania, you’ll be happy you have this additional coverage, since your insurance provider will step in and pay for damages sustained in the accident. It’ll help cover any medical expenses and loss of income, among other expenses. If you were injured in an accident caused by an uninsured driver, it may be time to contact an experienced team of attorneys about your options. For a free consultation with our team, contact us today.
Peter Paul Olszewski, Jr., a shareholder and managing partner at Scartelli Olszewski, P.C., brings 37 years of litigation experience. He is a renowned trial lawyer in Pennsylvania, specializing in medical malpractice, personal injury, and criminal defense. Peter's notable achievements include securing multi-million-dollar verdicts and serving as District Attorney and Judge. He is committed to community involvement and is actively engaged in various legal associations.
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