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Uninsured Motorist
What is uninsured motorist coverage and how does it work?
As a driver, New Jersey and Pennsylvania have requirements that you must carry some type of coverage on your vehicle. People who carry no insurance coverage on their vehicle, or for some other reason have their coverage denied, are considered uninsured motorists. This is not to be confused with underinsured motorists; they may sound like the same thing, but they are not. Something else noteworthy is when someone hits you and then takes off before you can obtain their information, this is not only considered a hit and run accident, but is also considered an uninsured motorist (even if they may have coverage) claim.
As an insured driver you may have uninsured motorist coverage within your policy. This type of coverage is what would cover payment for your accident related physical injuries and accident related material damages (if purchased); in the event that you are in an accident with an uninsured motorist who was also at fault in that accident.
Most insurance companies are in the business to make money; when you don’t have uninsured motorist coverage their first line of profit tactics is to automatically deny claims on accidents caused by uninsured motorists.
Even if you do have uninsured motorist coverage, it is important that you consult with an experienced uninsured or underinsured motorist attorney.
Here at Martin’s Mill Legal Center can get you the help you need and deserve.
Leo M. Flynn, Esquire can help you decide what should be done to get you justice.
We can help, call us now at 215-305-6222! Or contact us using the form below.
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