In Pennsylvania, operators of motor vehicles are only required to carry insurance with minimum coverage of $15,000 per person and $30,000 per accident. Many well-known insurance carriers that we regularly see in advertisements (1-800-Safe Auto, Allstate, etc.) sell a great deal of theses state minimum policies within Pennsylvania. This means that if you are injured in an auto accident caused by the actions of someone else, there could be just this very small amount of money available to you to compensate for your time missed from work, unpaid medical expenses, and pain and suffering.
To protect yourself and your loved ones from the losses that you could suffer if injured by someone with a state minimum policy, consider adding Underinsured Motorist (UIM) Coverage to your own auto policy. This is coverage that you can purchase which will be available to you in the event that you are injured in an accident caused by a driver whose insurance is insufficient to fully compensate all of your losses. In most instances, this can be a cost effective way to protect all that you have worked so hard for over the years; things that can be lost in an instant if you are injured and suddenly unable to work.
There are many different options available for Underinsured Motorist Coverage. If you do not already have this protection in your policy, speak to your insurance agent about what options may be available to you. Of course, at ACA Law, we are thoroughly familiar with this area of the law, and would be happy to speak to you at any time. Feel free to call us for a free consultation.