What happens if the other driver is at fault but you have no insurance?

In situations where you are not insured but the other driver is at fault, you can still file a claim against the at-fault driver's insurance company for damages. Your lack of insurance does not negate your ability to pursue compensation under California law.

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Motorist Uninsured Accident For Hit And Run In Philadelphia

Category:

Insurance - Complaints

State:

Multi-State

County:

Philadelphia

Control #:

US-000279

Format:

Instant download

Description

This form for use in litigation against an insurance company for bad faith breach of contract. Adapt this model form to fit your needs and specific law. Not recommended for use by non-attorney.

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FAQ

The Pennsylvania Supreme Court decision clearly states that uninsured drivers are able to pursue compensation for their economic damages, yet is unclear on non-economic damages. Economic damages are damages that can easily have a dollar amount placed on them.

In particular, UM covers you in the following circumstances: When the driver responsible for the collision carries no liability coverage. When the driver at fault is unidentifiable, as in a hit-and-run collision.

You may be able to sue the uninsured driver for both economic and non-economic damages if you have uninsured motorist coverage on your policy. Pennsylvania has a minimum coverage limit of $30,000 per accident for uninsured motorist policies, while maximums vary by policyholder and insurance company.

While insurance companies may pursue uninsured drivers to recover claim costs, the process can be complex and time-consuming. Uninsured drivers involved in accidents should seek legal counsel promptly to protect their rights and explore possible compensation avenues.

Uninsured motorist (UM) coverage can provide you with financial restitution if you are involved in a car crash with an at-fault driver that is not carrying any liability insurance. It will also cover you if you get into a hit-and-run accident.

In situations where you are not insured but the other driver is at fault, you can still file a claim against the at-fault driver's insurance company for damages. Your lack of insurance does not negate your ability to pursue compensation under California law.

Cancelling uninsured motorist insurance is a bad idea. Some people are uninsured for a very good reason, and you should not feel comfortable sharing the road with them. I would not want to risk my health and safety of myself or passengers, or my vehicle.

What Should I Do After an Accident If I'm Uninsured? Call emergency medical services if anyone seems to have suffered significant injury. Call local law enforcement to the scene. Exchange information with anyone involved in the accident. Be careful what you say at the car accident scene.

Cons of UM/UIM Coverage In no-fault states, UM/UIM coverage may not be as applicable because the injured party's own insurance covers the damages. Insurance companies could challenge the extent of your injuries, property damage, or even the determination of fault in the case of an uninsured driver.

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If you were hurt in a car crash involving a hit and run or an accident with an uninsured driver in Philadelphia, our car accident lawyers can help. UM coverage protects the insured driver when the at-fault driver does not have car insurance or the at-fault driver cannot be found, i.e., a hit and run driver. Police Report: Always call the police and get an official report filed. What Should You Do After a Philadelphia Hit-And-Run Accident? Notify Your Insurance Company: Contact your insurance provider as soon as possible to report the accident. Our lawyers can recover for our hit and run car accident clients if the client has uninsured motorist protection. The Philadelphia hit and run accident lawyers at Philadelphia Injury Lawyers PC are here to explain your options for compensation when the driver did not stop. A Philadelphia hit and run accident lawyer with Ben Crump Law, PLLC, may be able to help you seek compensation for your injuries. In cases where the driver can be identified, if they can be proven to be negligent in the crash, you can file a claim to recover your accident-related damages.

Motorist Uninsured Accident For Hit And Run In Philadelphia

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