In Pennsylvania and around the country the percentage of uninsured and underinsured motorists operating vehicles is growing at an epidemic rate. So too, is the rate of increased hit and run accidents. According to a recent study conducted by an independent property casualty insurance group, the nation's recession is triggering an increase in the amount of uninsured and underinsured motorists. Studies indicate that the rate of uninsured, underinsured motorists, and hit and run accidents on our streets and highways will climb drastically over the next year as the recession continues to worsen.
Since 1979, the experienced Philadelphia car accident lawyers of Reiff & Bily have been investigating and handling uninsured and underinsured motorist claims in Pennsylvania and highly recommend that all automobile owners and operators immediately get coverage for uninsured and underinsured motorist protection in case they or a family member sustain a catastrophic injury or fatality. As a result of an unpredictable car accident with an uninsured or underinsured driver, uninsured and underinsured motorist insurance protection will cover a claimant should you be in a hit and run accident or if you are involved in an accident and the other person does not have enough insurance to fully cover your loss. At least if you have uninsured and underinsured motorist coverage, you protect yourself. Proper insurance coverage reduces the financial impact of an unpredictable accident and as Louis Pasteur was once famously quoted as saying "Chance favors the prepared mind".
Pennsylvania does not require uninsured or underinsured motorist insurance protection even though all Pennsylvania drivers are required by law to have mandatory minimal automobile insurance.
We strongly recommend that our clients do not purchase minimum coverage and offer a free, no obligation car insurance "check-up".
If you or a loved one has been injured involved in an accident with an individual that has no automobile insurance and you have purchased uninsured motorist coverage, your insurance company steps in to pay for your financial losses. It is important that you consult with a highly experienced uninsured motorist accident lawyer to make sure that the insurance company does not take advantage of you. Most insurance companies put profits above all else and will look for every excuse to defend, delay or deny a payment.
The Philadelphia uninsured and underinsured motorist lawyers at the Philadelphia car accident firm of Reiff & Bily specialize in representing drivers, pedestrians, passengers and victims of hit and run accident who have suffered injuries resulting from car accidents with uninsured and underinsured drivers. If you were involved in an accident with another vehicle or were a passenger in a car involved in an accident with another vehicle or were a pedestrian struck by another vehicle and have your own automobile insurance, underinsured motorist coverage would be available to pay the injured person the difference between the minimum value of the other person's insurance (assuming that it was the minimum statutory requirement) and the full value of your claim. This difference is often quite significant and should always be pursued.
The experienced underinsured and uninsured car accidents lawyers at the Philadelphia car accident law firm of Reiff & Bily have handled thousands of uninsured and underinsured motorist claims since 1979. If you would like more information about the uninsured or underinsured motorist law of the Commonwealth of Pennsylvania, please call one of our expert Philadelphia uninsured or underinsured accident lawyers at (800) 421-9595 or contact us online.