Accidents With Uninsured And Underinsured Motorists

What happens if you or a loved one is injured in a car accident by a driver who does not have any liability insurance to pay your damages or by a driver who does not have enough liability insurance to pay your damages?

If a driver without liability coverage injures you or your car's occupants, uninsured motorist (UM) coverage through your auto insurance company may provide the monetary compensation you deserve. UM coverage is a type of auto insurance that you buy to protect yourself and your family from drivers who drive uninsured. UM is optional coverage in Pennsylvania, as this coverage serves as a substitute for the bodily injury liability coverage that the other driver who injured you did not carry on his or her car. Remember that your insurance company's obligation to pay you UM benefits is limited to the amount of coverage you purchase, if you purchased it at all. Underinsured motorist (UIM) coverage is also available for your purchase and it provides additional or "excess" coverage to you and your family when injured by an irresponsible driver.

There are many rules and regulations that your insurance company must comply with in the areas of UM and UIM coverage and Attorney Marzzacco has handled hundreds of cases in his career.

If you suffer serious injuries in any type of motor vehicle accident, you need an experienced attorney to help you make a claim to recover the monetary damages you deserve. These may include medical expenses, lost wages, car repairs or replacement, pain and suffering, and other damages.

Deciphering Pennsylvania's Uninsured And Underinsured Motorist Laws

The law surrounding uninsured and underinsured motorists can be complex and very confusing. For example, under Pennsylvania law, you can only purchase UM coverage in an amount equal to or less than your own liability coverage. However, when you have multiple cars insured under one policy, you can elect to "stack" your UM/UIM coverage amounts or add the amounts together to get more protection against drivers with insufficient liability coverage.

For instance, if you insure two cars in your household with UIM coverage of $100,000 on each and you "stack" the coverage, you would then have $200,000 available to you in a serious accident caused by a driver carrying minimum coverage. If you do not have UM or UIM coverage on your automobile policy, a skilled UM/UIM attorney can sometimes get you covered under a relative's UM or UIM policy or that of another driver involved in the accident.

UM and UIM coverage often help victims of accidents recover future damages. If permanently disabled in any type of automobile accident, UM or UIM coverage may be the only way to protect your family's future.

UM And UIM Injury Lawyer Serving Central Pennsylvania

If you or someone you love has been injured in any type of vehicle accident — whether it's a car accident, motorcycle accident, tractor-trailer accident or pedestrian accident, consulting with an experienced injury lawyer at Marzzacco Niven & Associates will help you understand the legal process.

There are many rules and regulations that your insurance company must comply with in the areas of UM and UIM coverage and Attorney Marzzacco has handled hundreds of cases in his career.

When you need reliable legal counsel after a collision with an uninsured motorist, Marzzacco Niven & Associates can help. Please contact us today to begin protecting your rights and pursuing the compensation you deserve. From our main office in Harrisburg and multiple satellite offices, we serve clients all over central Pennsylvania.