Imagine making your daily commute when another driver rear-ends you. Once the police arrive and you and the other driver are providing your information for the police report, you find out that he does not have car insurance. Does this mean that you have to pay for the damages to your car? What about medical expenses associated with your injuries? The impact was hard enough that you soon began to experience back and neck pain. What if the damage is more serious than you think it is? Will you be stuck paying expensive medical bills and losing out on pay because you have to take time off of work?
While the majority of drivers across the United States have at least the minimum liability coverage, approximately 13 percent are uninsured. If you have been involved in a car accident with an uninsured motorist, you may find it almost impossible to recover your expenses. However, an experience attorney in the Pittsburgh area can help if you have to take legal action. Before you find yourself in this position, you may want to consider purchasing Uninsured Motorist Liability Coverage to provide relief while you try to recover your losses from the other driver.
Injury coverage
By purchasing uninsured motorist bodily injury coverage, your insurance company will provide coverage for expenses associated with your injuries. For example, your coverage should pay for your medical bills and compensate you for missing work. In addition, you might also be able to file claims for pain and suffering and mental anguish. While uninsured motorist bodily injury policies will provide compensation for your injuries, it will not cover the damage to your car or any other property.
Property damage coverage
In order to cover the damage to your car, you can add uninsured motorist property damage coverage to your policy. This coverage should provide you with compensation for the repairs to your car and any other property in your vehicle that was damaged in the accident.
Many states require that drivers carry uninsured motorist coverage, however, at the moment, Pennsylvania is not one of these states. Although it is not mandatory, it is an option so that you do not find yourself in an economic bind due to an accident with an uninsured driver.
If you have been involved in an accident with an uninsured motorist, you may experience difficulties recovering your losses especially if you do not have any uninsured motorist coverage. For help fighting for compensation for your injuries and the damages to your car, contact an attorney in the Pittsburgh area.