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There are two important parts of Pennsylvania car insurance that require no minimum coverage under PA law. Underinsured motorist coverage and uninsured motorist coverage ensure that you receive compensation for an accident even if the driver responsible for the crash doesn’t have enough insurance or, even worse, no insurance at all.
If you’re hurt in a car accident by a driver that doesn’t own enough auto insurance to pay you for all your injuries and damages, underinsured motorist coverage kicks in and compensates for the rest.
If you’re hurt in a car crash and the at-fault driver has no insurance at all, having uninsured motorist coverage means that your provider will step in and pay money for damages and injuries. Even though drivers are required by law to have car insurance, you would be surprised by how many drivers on the road don’t have insurance.
At my law firm, we recommend you get at least $100,000 per person and $300,000 per occurrence for both underinsured motorist coverage and uninsured motorist coverage. Those numbers may look awfully big right now, but when you’re injured in a car accident bills can build up fast. Remember, most other car insurance you buy is to cover the other driver in the event of an accident – underinsured and uninsured coverage is for YOU.
Both underinsured coverage and uninsured coverage apply to drivers, passengers, pedestrians, and hit-and-run victims. Although you may save a few bucks by choosing not to purchase these two options, you’ll be glad you have them when you’re in a serious accident.
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