Uninsured Motorist Accident Lawyer Near You in PA
Getting into a car accident is always stressful, but it becomes even more complicated when the other driver doesn’t have insurance. In Pennsylvania, this situation can leave injured drivers feeling confused, frustrated, and unsure of what to do next.
If you were hurt in a crash caused by an uninsured driver, you may still have options for seeking compensation. Pennsylvania law requires that all registered vehicles – including cars, trucks, commercial vehicles, buses, and motorcycles – carry valid insurance to operate on public roads. Unfortunately, not every driver follows the law.
The good news is that even if the other driver lacks insurance, you may be able to recover damages through your own policy or other legal avenues. Knowing your rights and the next steps to take can make a big difference in protecting your health and financial stability.
Hit by Uninsured Driver? (Car Accident Where Other Driver Has No Insurance & Is At Fault)
What happens if the person at fault in an accident has no insurance? If you have uninsured motorist insurance (UM) and/or underinsured motorist insurance (UIM), you are compensated according to those policies.
However, insurance companies don’t always play fair. Which is why you should strongly consider hiring a no insurance car accident lawyer that’s experienced with cases where the at-fault party is an uninsured driver or an underinsured driver. They’ll be able to help you answer questions such as, “How much can I get from an underinsured motorist claim?” If you’ve been hit byan uninsured driver, contact our uninsured motorist accident lawyers in PA for a 100% free consultation.
What Happens If the Other Driver Has No Insurance?
A car accident with an uninsured driver can leave you feeling stuck. If the driver has no assets or ability to pay, going after them directly may not result in much. However, your own insurance may still provide a solution, if you have the right type of coverage.
Even without UM/UIM coverage, you may have other legal options depending on the crash details. Every case is different, so it’s worth having a car accident lawyer experienced in no insurance claims take a closer look.
Car Accident With Uninsured Driver in PA: Legal Help and Next Steps
If you were involved in a car accident with an uninsured driver in Pennsylvania, you may be wondering who will pay for your medical bills, lost wages, or vehicle damage. Even though state law requires auto insurance, many drivers on the road still operate without coverage.
You do not have to figure this out alone. An experienced car accident lawyer for no insurance cases can help you explore available options and determine if you’re able to file a claim through your own policy or pursue the other driver directly.
Being hit by an uninsured driver creates a stressful and complicated situation. In Pennsylvania, drivers typically rely on their own policy’s uninsured or underinsured motorist coverage (UM/UIM) to recover compensation in these scenarios.
If you carry UM or UIM coverage, it may help cover:
- Medical treatment
- Vehicle repairs
- Lost wages
- Pain and suffering
If you’re unsure what your policy includes or have been denied coverage, a car accident lawyer experienced in no insurance cases can review your policy and help file a strong claim.
We always recommend consult with an experienced Philadelphia car accident attorney as soon as possible. How long do you have to file a police report after an incident in PA? If you’re involved in an accident with an uninsured driver in Pennsylvania, it’s important to file a police report promptly. State law typically requires that a crash report be submitted within five days, especially when one or more drivers do not have insurance. This report helps document the incident and can be critical if you need to pursue compensation through your own uninsured motorist coverage.
Pennsylvania Auto Insurance Laws
If you’re involved in a car accident with an uninsured driver in Pennsylvania, it can quickly become a complicated situation. State law requires every driver to carry a minimum amount of auto insurance coverage – known as 15/30/5 – which includes:
- $15,000 bodily injury liability per person
- $30,000 bodily injury liability per accident
- $5,000 property damage liability per accident
- $5,000 first-party benefits
Driving without insurance is illegal in Pennsylvania, and uninsured drivers can face serious penalties. Unfortunately, this doesn’t help you recover your losses if the at-fault driver has no coverage. That’s why uninsured motorist coverage is so important, it can help protect you when the other driver can’t pay.
Pennsylvania operates under a no-fault insurance system, which means that after most accidents, your own insurance policy will cover your medical bills, regardless of who caused the crash. This is known as first-party medical benefits, and Pennsylvania drivers are required to carry at least $5,000 in this coverage. While many states call this “PIP” (personal injury protection), Pennsylvania uses its own terminology.
Where Pennsylvania stands out is in its optional tort system. When you sign up for car insurance, you choose between “limited tort” and “full tort” coverage. Limited tort usually costs less, but it restricts your ability to sue for pain and suffering even if the accident wasn’t your fault. Full tort coverage costs more but gives you the unrestricted right to seek compensation for pain, emotional distress, and other non-economic damages.
This choice becomes especially important if you’re hit by a driver who doesn’t have insurance. While your own policy may cover medical expenses, recovering additional damages may be limited depending on the tort option you selected. These situations are complex, and talking to an uninsured motorist accident lawyer or lawyers who sue insurance companies near you can help you understand your rights and the best way to move forward.
To better understand your legal options after being hit by an uninsured driver, it’s also helpful to learn about the difference between full and limited tort coverage in Pennsylvania.
Check out this article on Full Tort vs Limited Tort in PA.
How Uninsured Motorist Claims Work in PA
If you are like many people, you bought your car insurance from the agent your family has always been using, and may even be a good friend. Maybe a friend or family member recommended your insurance agent. Your insurance agent’s job is to make sure you are adequately covered. They should also make certain you had plenty of coverage against the possibility of an uninsured motorist.
However, often insurance agents convince their clients that they should waive uninsured motorist (UM) coverage. Over the years, you paid your premiums on time and even enjoyed the greeting cards your agent sent you on special occasions. But then an uninsured motorist hits you, destroying your car and putting you in the hospital.
You may be shocked to find that in times like this, your neighborly insurance agent has become a fair-weather friend. At this stage, you don’t need an average car wreck lawyer in Philadelphia. You need The Pearce Law Firm, a personal injury law firm with the experience to know how the insurance companies operate.
An uninsured motorist is usually uninsured for a reason; typically, they are struggling financially and have decided not to buy even basic insurance coverage. Uninsured motorist insurance exists to protect you from a driver who has not purchased insurance. Your insurance is now responsible to cover your injuries and losses. They are required, according to the terms of your policy, to cover your medical bills, rehabilitation, lost income, lost property, along with pain and suffering.
For a few dollars more, it was easy for your agent to talk you into maximum coverage, but now that you need it, the insurance company who your agent works for may be talking minimum dollars.
Car Accident Lawyer No Insurance: Your Advocate in Pennsylvania
Insurance companies don’t always make it easy. They may undervalue your claim, delay payment, or try to deny it outright. That’s why many people in Pennsylvania turn to an car accident lawyer no insurance who can handle the process, protect your rights, and help move the case forward.
Legal help can assist with:
- Reviewing your UM/UIM policy limits
- Gathering proof of the other driver’s lack of insurance
- Negotiating with your own insurer
- Filing a lawsuit if necessary
When you see the offer from your insurance company and listen to their detailed explanation for its inadequate amount, you need to know that you are an unwitting participant in one of the most rehearsed and masterful sales presentations you may ever see. The attorney making the offer has a job, to pay you as little as possible. To receive the benefits you rightfully deserve, especially since you paid for them, you need an attorney that knows your rights and knows the details of insurance law.
We have worked insurance law and personal injury law from both sides. This gives us a unique advantage for you. We know how to work the system for you to obtain the compensation you need and deserve.
Trust us when we say that the other attorney being paid by the insurance company is not your friend. Our experience and knowledge will cut though their sales pitch and get you the compensation you need. Give us a call today.
Schedule a Free Consultation with an Uninsured Motorist Accident Lawyer Near You
If you’ve been hit by an uninsured driver in Pennsylvania and need guidance, don’t wait. The sooner you speak with a car accident lawyer for no insurance claims, the sooner you can understand what steps to take next.
Whether your insurance is giving you the runaround or you’re unsure where to begin, talking to someone who understands the process can make a big difference. Get the experience and knowledge of The Pearce Law Firm Personal Injury & Accident Lawyers on your side. Contact our office or call us at 215-557-8686 to schedule a free case evaluation.
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