Underinsured Motorists
Greg Prosmushkin
Dec 28, 2018

There are thousands of drivers on the road Without Insurance Coverage today. Consider a scenario in which you are at a red light, minding your business, and a vehicle crashes into your car from behind. You are injured and require treatment. Then, you find out that the vehicle that hit you has no insurance.

That is when you should contact a qualified law firm to handle this matter. At The Law Offices of Greg Prosmushkin, P.C., our attorneys and staff have handled thousands of cases where this is an issue. The consultation is free so call us today.

So what should you do next? The answer to that question in the typical scenario described above will depend on a number of facts. First, if you were struck by an Uninsured car, and the driver is also Uninsured,” then you will not be able to obtain any money from them for your pain and suffering. If you did not have your car insurance, then whatever damage done to your car would have to be fixed by you.

If you were injured and carried comprehensive collision coverage, then you would be able to have your own insurance company fix your car (less a probable deductible). We deal with these issues daily at The Law Offices of Greg Prosmushkin, P.C.

Next Steps for Uninsured Car Accident Involvement

Pennsylvania is a “no-fault” state. The law requires that anyone driving a car must drive with insurance (it’s called financial responsibility in Pennsylvania). Therefore, your medical bills must be paid out of your insurance coverage. No fault is attached to those bills, so your rates will never go up.

The real question at this point is whether you will be able to receive money for the damages you sustained to your body and earn potential from the other uninsured driver. This will depend on whether you have Uninsured Motorist Coverage on your insurance for the car(s) that you own.

If you do, you simply claim under your policy for those benefits, and your insurance company will stand in the shoes of the uninsured wrongdoer. Uninsured motorist coverage is essential today due to the sheer number of people who drive without financial responsibility (insurance).

In the situation where you own a car that is insured, however, without the Uninsured Motorist Coverage, then under the example above, you would not be able to collect anything for your damages. Protect yourself, your family, and your loved ones by contacting The Law Offices of Greg Prosmushkin P.C. We can help, and the consultation is free.