Usually when you get into an auto accident you swap insurance information and the at-fault driver’s insurance pays the claim. What if though, if you are involved in an accident with someone who does not have enough insurance to pay the damages? Maybe they don’t have insurance at all! This is where Uninsured and Underinsured motorists coverage would step in.
Underinsured Motorist Coverage
In Pennsylvania everyone who owns and operates a vehicle is required to have insurance. Still though, not everyone has adequate coverage. This could be if a driver only carries state minimum limits, which sometimes is not nearly enough to cover injuries or medical expenses. Your underinsured motorists coverage would then pay when the other driver’s insurance is not sufficient.
Uninsured Motorist Coverage
According to DMV.org it is estimated that 1 out of every 7 drivers are uninsured. Uninsured motorists helps to cover cost incurred after being in an accident with a driver carrying no insurance. You and your passengers would also have protection if you are involved in a hit-and -run accident.
No matter what state you live in or what the required limits are, you should always make sure you have adequate coverage. Save yourself some stress by reviewing your policies regularly. If you have questions call Barrick Insurance at (717) 632-7270. Remember to protect yourself not only with enough insurance but also by being a safe, alert driver.