PA law requires drivers to purchase auto insurance in order to be a legal driver in Pennsylvania.
However, many PA drivers are not aware of the importance of two of the most important, and least expensive, insurance benefits that they can purchase.
Unfortunately, PA drivers are not required to carry these important benefits as part of their auto insurance policy. These important coverages are Underinsured Motorist coverage (UIM) and Uninsured Motorist coverage (UM).
UIM coverage protects you if you have been the victim of a car accident and your injuries were caused by another motorist who does not have enough insurance to fully compensate you for all of your injuries and expenses.
UM coverage protects you if you have been the victim of a car accident and your injuries were caused by another motorist who is uninsured and does not have any insurance to compensate you for your injuries and expenses.
If you have UIM or UM as part of your own auto insurance coverage, then your insurance company may be required to pay some or all of these benefits to you depending on the circumstances surrounding your claim and the amount of other available insurance coverage that the at fault party carries.
You must speak with a a personal injury attorney experienced with handling UIM and UM claims before proceeding with any claims. If you settle your claim with the other insurance company and don’t set up your UIM claim properly, you can waive this important benefit. Jon Ostroff, one of the rare “20/20″ lawyers in the country, has reviewed over 20,000 personal injury claims over the past twenty years and many of them involved UIM or UM claims. He knows what to look for, how to handle UM/UIM claims and what they are worth. He also knows how to get you the money you deserve.
Questions and Answers about Pennsylvania UIM Insurance Benefits
Many of our clients have the following questions about under-insured motorist coverage:
- How is UIM used to compensate an accident victim? PA car accident victims who have UIM insurance coverage are at a great advantage compared to those without UIM. A victim must first collect all of the available insurance from the at fault driver’s insurance company. If that amount is insufficient to fully compensate the victim for their injuries, the victim may recover additional money from his own insurance company up to the limit of the UIM insurance benefit they purchased. Often, these benefits can be multiplied by the number of cars that are insured by resident relatives in the victims home. BEWARE- If an accident victim does not take certain steps before accepting a settlement from the other driver’s insurance company, he or she can waive their entitlement to UIM benefits. Be sure and have your settlement negotiated and handled by an attorney knowledgeable in UIM claims. With over 20,000 cases and 20 years of experience with personal injury claims under his belt, Jon Ostroff has the experience handling UIM/UM claims that you need to be sure you get every penny you deserve.
- I have PA auto insurance. When can I begin to collect UIM benefits? You are entitled, and if handled properly, can collect UIM benefits as soon as it becomes clear that the value of your claim exceeds the amount of insurance carried by the driver who caused the accident. There have been some very complicated, and very important, legal decisions in 2010 which effect your rights to UIM coverage when the other drivers insurance company still hasn’t paid you. You must be very careful about the steps you take with UIM coverage. There could be a lot of money at stake here, so be wise and protect your self by hiring an experienced attorney who is familiar with the rules and the best way to get you every dollar you are entitled to. Over 20,000 personal injury victims have relied on Jon Ostroff to guide them with their accident claim…this is the kind of experience you should rely on when there is this much money on the line!
- Can I get a recovery? I have UIM insurance and suffered a spinal disc injury. PA law may allow you to recover damages for a herniated or bulging disc injury if you carry UIM insurance. Disc injuries can be painful, limiting and can disable you from your job. If you are involved in an accident with a driver who carries less insurance coverage than your claim is worth, you will likely need to access the underinsurance benefit on your own insurance policy. “20/20″ attorney Jon Ostroff will help you get every penny, of every benefit, you are entitled to.
Our Lawyers Can Help You Obtain a Maximum Recovery from Your UIM Insurance Benefits
Insurance companies generally do not like to pay underinsurance claims and they may refuse to pay you the amount that you are entitled to. “20/20″ attorney Jon Ostroff knows how to handle unreasonable insurance adjusters and tough insurance companies. The lawyers at Ostroff Injury Law will fight the insurance company until they pay you the maximum amount to which you are legally entitled.
You purchased UIM to protect you and your family against an underinsured driver. Do not let an insurance adjuster deny you this benefit. HIre Jon Ostroff and show them you mean business! Let us represent you and get you every penny of this benefit that you are entitled to.
Insurers know, and tell their adjusters during training, that in the most common personal injury claims, “[r]epresented claims [when an injured person uses an attorney] settle for 2-3 times more than unrepresented claims [when a person deals directly with the insurer].” Allstate Unrepresented Adjuster Training Manual, July 1995.
Ostroff Injury Law will help you recover the full amount of UIM benefits to which you are entitled.
Contact us today at 1-888-930-8484 or via our online contact form for a free case evaluation. Let us help you get the UIM and UM benefits that you deserve!