When Distracted Driving Turns Dangerous: A Client's Recovery with ACA Law

At ACA Law, we recently represented a woman who found herself in an overwhelming situation after being seriously injured in a crash caused by a distracted driver. The other driver was texting his girlfriend while behind the wheel—he didn’t see the red light until it was too late.

The impact left our client with several broken ribs and a broken sternum. She was in pain, unable to work, and her medical bills were stacking up fast. Unsure of what to do next, she called ACA Law—and we helped her find a path forward.

Unfortunately, the driver who caused the crash only had the minimum required insurance coverage in Pennsylvania—just $15,000. While the at-fault driver’s insurance company paid that quickly, it didn’t come close to covering her losses.

Thankfully, our client had chosen to carry underinsured motorist coverage (UIM) on her own policy. That decision made all the difference. This type of coverage steps in when the other driver’s insurance isn’t enough to cover your injuries. Because of that added protection, we were able to secure a total recovery of $165,000 on her behalf.

She was finally able to pay her medical bills, return to work, and start putting the accident behind her.

This case is a powerful reminder of how important it is to carry the right insurance—not just to protect others, but to protect yourself. Underinsured motorist coverage, along with other options like excess medical coverage, can be a financial lifeline when the unexpected happens.

And when it does, having the right legal team matters too. If you’ve been injured in a crash, ACA Law is here to help you understand your options, deal with the insurance companies, and fight for the compensation you deserve.

Call ACA today for your FREE consultation 570-348-0200