Whenever you have a car accident caused by the negligent behavior of the other driver, you expect that the other party's insurance company will cover all your medical bills, injuries, and damage to the car.
But what if the other driver involved in the collision does not have insurance at all? Or what if the other driver does not maintain adequate insurance to cover all of your expenses? This will leave you anxious and stressed about how you are going to cover all your bills.
This is where the experienced attorneys at the Law Office of Jason R. Carpenter can help you get the compensation you deserve. We know that being a victim of a car accident is physically and emotionally stressful and overwhelming, especially when the driver at fault is an underinsured or uninsured motorist.
Although all Pennsylvania drivers have a legal obligation to have car insurance, these types of accidents happen all too often. However, if you had an accident involving an under/uninsured motorist who was at fault, our attorneys can help. Our primary goal is to ensure that you receive the compensation you deserve.
Under/Uninsured Motorists and Pennsylvania Law
According to Pennsylvania law, all drivers must maintain a car insurance policy with at least a minimum of liability coverage in case of an accident.
According to an Insurance Information Institute survey, about 7.6 percent of drivers in Pennsylvania do not have any kind of car insurance at all. On the other hand, many more drivers in the state have inadequate or state minimum liability coverages, which often are not enough for your injuries.
This means, if you sustain injuries with damage to your car in an accident involving an under/uninsured driver, then your insurance company will end up paying for some or most of the medical bills, damage to your property or car, lost wages, etc. Your insurance carrier essentially “steps into the shoes” of the other driver, and has all of the same defenses (such as your own negligence or arguing against the severity of your injuries) available to it as the other driver does.
Statute of Limitations for Under/Uninsured Motorists Lawsuits
If you are a driver in Pennsylvania, it is important for you to understand that under/uninsured motorist claims are known as contract claims. Therefore, the statute of limitations for such cases is four-years. This means you have up to 4 years from the time you became aware that you will have to make an under/uninsured motorists claim.
In such instances, a professional personal injury attorney can ensure that you know your rights. Moreover, they will help with the legal actions you must take to recover the compensation you need given your losses. The attorneys of the Law Office of Jason R. Carpenter have been helping residents in the Harrisburg area for many years in such cases.
Filing Your Under/Uninsured Motorist Accident Claim
After you get into an accident involving an under/uninsured driver at fault, you must make a claim using a legal provision of your insurance policy for uninsured motorists. This insurance coverage will pay all your medical bills and any damage to your property when the other driver at fault turns out to have no insurance whatsoever.
However, if the other driver has insurance but with inadequate coverage, you will only receive so much payment. This is where you need our professional attorneys' services because the insurance companies in these scenarios try their best to settle the accident claims for the minimum amount possible.
Pennsylvania allows all victims of an accident caused by someone else's negligence or wrongful condut to file a personal injury lawsuit. You will file these cases in the civil court system of Pennsylvania.
Let Us Help With Your Under/Uninsured Motorists Claims Now
Making an under/uninsured motorists can be complex and challenging, especially when you are not at fault, and your own insurance company does not have your best interest in mind. We at the Law Office of Jason R. Carpenter have been successfully helping Pennsylvania residents recover compensation for their losses for years.
Our attorneys are professionals who work hard to fight for your rights. They will help you gather all the documents; investigate all the aspects of your accident to establish that the other driver was at fault. Remember, we are on your side and want you the receive the compensation you deserve following the accident.
So, if you have been involved in a car accident with an under/uninsured motorist, it is time to contact Jason R. Carpenter. Speak to one of our attorneys over the phone in complete confidentiality, or you can chat with us right now.
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