All licensed drivers in Pennsylvania are required to have automobile insurance coverage. However, some drivers may try to slip under the radar and get away without buying an insurance policy. This may work for them, but what happens if they cause an accident and do not have coverage? Or what if their policy is not enough to cover their damage?
Car Insurance Basics In Pennsylvania
Pennsylvania is a no-fault insurance state. That means when an accident happens, your own insurance policy should take care of your bills first, regardless of who caused the accident. Each driver is supposed to take care of their own costs.
However, sometimes your insurance may not fully cover all your costs. Between medical bills, loss of income, long-term care and automobile repairs, your bills may be quite high. If this happens and the at-fault driver does not have insurance this issue becomes more complicated.
Options When The Other Driver Is Not Insured
There are a few ways you can still get the compensation you need to recover from your injuries. The first is to pursue uninsured motorist coverage from your insurance company. However, this coverage can be confusing to navigate as it is not required.
Alternatively, you may pursue a claim against the at-fault driver, but this can also be complex. Trying to collect damages from an uninsured driver may involve the court and third parties.
In both of these cases, talking to an experienced personal injury attorney can give you a better chance at recovering the compensation you need. A lawyer can better navigate both situations, whether it’s explaining uninsured cases and dealing with insurance companies or helping you settle a judgement in court.