Why You Should Have Underinsured And Uninsured Motorist Benefits

Many people assume that Underinsured andCoverage
Uninsured motorist claims only involve motoristsInsurance policies written more than a year ago
who illegally drive without insurance or people whoinclude mandatory arbitration clauses that limit
only secure the bare minimum in automotivepeople's rights to bring a lawsuit against their
coverage. However, most of the major carinsurance company. Recent policies allow injured
accidents in Pennsylvania result in very seriouspeople to pursue litigation when necessary to
injuries, which are rarely fully compensated for bysecure fair compensation under their underinsured
the responsible motorist's insurance coverage.and uninsured motorist coverage.
How could a $15,000 insurance policy even beginWhen you purchase automobile insurance, we
to compensate an injured person for thestrongly encourage you to secure Uninsured and
thousands of dollars in medical expenses, lifetimeUnderinsured motorist coverage with no arbitrary
accommodations, nursing care, rehabilitation,limits, which will ensure you have recourse if you
medication costs, and lost wages that result fromare injured by a motorist with no or insufficient
a serious accident?insurance.
Underinsured and Uninsured motorist benefits areMany insurance companies offer saving by what
your protection for you and your family membersis called "write down" or "sign down" coverage.
who are covered under your motor vehicleThis means that you agree to reduce your only
insurance policy. Underinsured and Uninsuredfor of protection or shield if you are injured to
motorist benefits are not just for those whosomething less than what you made available to
illegally drive without insurance or for those withothers if you caused the injury or accident. Your
bare minimum coverage. Typically, most peopleUnderinsured and Uninsured motorist coverage
believe that their motor vehicle insuranceshould be equal to your liability coverage. For
coverage is to protect those they may injure ifinstance, if you have a $100,000/$300,000 motor
they cause a car accident. Underinsured andvehicle insurance policy in case you cause an
Uninsured motorist coverage is the opposite ofaccident and injure some else; your Underinsured
that. Underinsured and Uninsured motoristand Uninsured coverage should be the same, not
coverage is insurance provided by your carless. We don't recommend you decrease these
insurance company that protects you when youvalues, as this is your only coverage for yourself
are injured due to another's negligence.if your are injured by someone with little or no
How You Can Be Compensated By Your Ownmotor vehicle insurance.
PolicyThings you should do if you are involved in a
Underinsured and Uninsured motorist insurancemotor vehicle accident:
coverage can be purchased when you first buy1. Take photos of your injuries
auto insurance or at your request. This coverage2. Keep a diary of how you feel
can ensure that you can collect fair compensation3. Save all prescription bottles related to your
for your injuries, even if the person who causedinjuries
your accident was an uninsured driver or4. If possible, collect any debris from the scene of
someone whose insurance is not adequate toyour accident
cover the full extent of your expenses. Don't5. If trees or other obstructions played a role in
leave the coverage decision for your injury up toyour accident, take video footage or photos of
those who caused your injury and the policythe obstructions
coverage they elected for themselves.6. If the driver who hit you was drunk and you
Most people don't know that they can seekknow where they were drinking, write down any
compensation under their own policy at no costdetails you know
to their insurance premiums, and even more7. Keep a copy of all doctor's notes, diagrams, or
people don't know how to do this effectively.diagnostic results pertaining to your medical
When the person who caused your injury doestreatment
not have enough insurance coverage or no8. Keep track of missed days from work and any
insurance at all, your insurance company maylost wages that result
compensate you for your injury. If and only if9. If injured in an SUV rollover, take photos of
you have Underinsured and Uninsured motoristany evidence of roof crush or failed support
benefits as part of your motor vehicle insurancecolumns
policy.10.
The Changing Rules Regarding Uninsured Motorist