Uninsured and Underinsured Motorist Coverage

 

Uninsured Motorist Coverage

According to a recent study from the Insurance Research Council (IRC) one in six drivers in the United States may be driving without insurance coverage. If you are hit and injured by one of those drivers you will not have any financial source to pay for your bodily injuries. Uninsured Motorist Coverage provides protection to the insured person in the event that he or she is injured in an auto accident caused by an uninsured driver.

 

If you purchased Uninsured Motorist Coverage and you are injured by a negligent AND uninsured driver you can still receive compensation for your past, present and future lost wages, pain and suffering and any other losses which you suffered as a result of your injuries. When a negligent driver who is insured injures you, the financial source for the payment of your damages is the negligent driver's insurance company. But when you are injured at the hands of a negligent, uninsured driver, the financial source for payment of your damages is your own insurance company.

 

If you are injured in an automobile accident and you have an Uninsured Motorist's claim it is very important to seek a qualified attorney to handle your case. John Winicov has over 20 years of Personal Injury experience. He has handled numerous Uninsured Motorists claims for client in Chester County, Delaware County, Montgomery County and Philadelphia County. Uninsured Motorists cases must be handled with care because once you make a claim for Uninsured Motorists coverage from your insurance company, they must evaluate your claim as they would any claim for personal injuries regardless of your status as their customer. If your insurance company does not offer to compensate you adequately, then the case must be submitted to Uninsured Motorist's Arbitration where a panel of attorneys will decide the case.

 

Underinsured Motorists Coverage

Underinsured Motorists Coverage operates in much the same way as Uninsured Motorist Coverage. If you are injured by a negligent driver in an automobile accident and that driver's insurance coverage is inadequate to compensate you for your injuries you may only receive the maximum amount under that driver's insurance policy. In Pennsylvania the state requires that all automobiles must carry a minimum of $15,000.00 per person worth of bodily injury protection. However, if you are seriously injured by a negligent driver and he carried this minimum amount of Bodily Injury insurance then the most you can receive as compensation for your injuries is $15,000.00. Obviously, this is not sufficient compensation when you are seriously injured.

 

However, if your insurance policy provides for Underinsured Motorist's coverage you will have an additional financial source to compensate you for your damages. Underinsured Motorists coverage will supplement or add to the insurance coverage available from the negligent driver's auto insurance policy. Underinsured Motorists coverage can be purchased in varying amounts from your insurance company.

 

If you are injured in an automobile accident and you have a Underinsured Motorist's claim it is very important to seek a qualified attorney to handle your case. John Winicov has over 20 years of Personal Injury experience. He has handled numerous Underinsured Motorists claims for clients in Chester County, Delaware County, Montgomery County and Philadelphia County.

 

If you are injured in an automobile accident in Chester, Delaware, Montgomery, or Philadelphia counties you need John Winicov, an experienced personal injury attorney. We will provide aggressive representation and we will handle your case with the care it deserves.

 

Contact Us Online or Call Us at 610-692-2096 to schedule your initial consultation so that you can learn more about your rights and options.