A well-rounded auto policy has four components, and they are liability, collision, comprehensive, and underinsured/uninsured motorist coverage. If you want to be completely covered in the event of an auto accident, whether you are at fault or not, you need underinsured/uninsured coverage on your policy.

What Is Underinsured/Uninsured Coverage?

Although required in some states, in Pennsylvania both underinsured and uninsured motorist coverage is purely optional but highly recommended. What’s the difference between the two you ask? Well, uninsured motorist insurance protects you, your car, and passengers in an auto accident in which the other driver was at-fault and carries no auto coverage. On the other hand, underinsured motorist insurance will cover any injuries sustained to you and your car passengers in an auto accident caused by a driver who does have insurance, but not enough to pay for all the costs involved.

Keith J. Williams encourages Pennsylvania motorists to review their policies and contact their insurance companies if they do not already have underinsured/uninsured coverage. Whether it’s a simple fender bender or something far more serious, this additional insurance coverage, along with the help of our Doylestown, PA auto accident personal injury attorneys, will make the financial burden much less should an accident occur.

Four Kinds of Protection

Uninsured and underinsured coverage offers two kinds of protection:

● Uninsured motorist bodily injury (UM/UMBI): covers medical expenses, pain & suffering, funeral costs, and loss of income when you are hit by an uninsured at-fault driver.
● Underinsured motorist bodily injury (UIM/UIMBI): covers medical expenses, pain & suffering, funeral costs, and loss of income when you are hit by an at-fault driver, but only if they have insufficient insurance coverage.

Some situations where uninsured or underinsured coverage would come in handy:

● You are involved in a hit and run accident where the at-fault driver is never identified.
● Driving on the highway, you are involved in a rear-ending accident. The at-fault driver does not have insurance, plus you decide to go to the hospital to get checked out.

If you or a loved one is involved in any type of auto accident, Bucks County personal injury attorney Keith J. Williams wants to take a look at your case and get you the compensation you deserve. To set up a free and confidential consultation, please call 215-340-1134 today!