Uninsured and underinsured motorist insurance are very important coverages that every Pennsylvania motorist should have.

Uninsured motorist coverage protects you and your family if you are injured by a driver who has no car insurance. Although it is against the law to drive a motor vehicle without liability insurance, statistics have shown that as many as 1 in 10 people on the road are driving without any insurance. Often, these negligent and irresponsible drivers cause accidents and serious injuries to innocent people, who then cannot obtain fair compensation from these drivers because they (the at-fault drivers) carried no liability insurance and have no assets from which to recover a monetary judgment. By purchasing uninsured motorist coverage, you and your family will be able to obtain compensation for personal injuries from your own insurance company, even if the person who caused the accident had no liability insurance.

Underinsured motorist coverage protects you and your family if you are injured by a driver who has inadequate liability insurance. In Pennsylvania, motorists are only required to carry $15,000 in liability insurance coverage. Unfortunately, many drivers purchase only the minimal required limits. By purchasing underinsured motorist coverage, you and your family will be able to recover additional compensation for your personal injury claim, in addition to the amount of minimal liability coverage the negligent party had at the time of the accident.

By not purchasing uninsured and underinsured motorist coverage, you are placing yourself and your family at risk that there will not be sufficient insurance available to fairly compensate you for the personal injuries you suffer in an accident caused by the negligence of another person.