There are many risks associated with driving and anytime you get into a
car, there's always a chance you'll be involved in a
car accident. Even if you diligently follow all safe driving practices, it's possible
for another driver to act negligently and cause an accident.
If everyone in the Philadelphia area purchased the maximum allowable auto
insurance coverage, this wouldn't be a big problem. Your damages would
most likely be taken care of by the negligent driver's policy. Unfortunately,
that's not always the case.
A recent study compiled by state insurance departments ranks Pennsylvania 20
th in the nation in terms of
auto insurance requirements and driver compliance with these laws. This ranking isn't horrible
- it places Pennsylvania as average in this regard - but it also means
that there is a decent chance that the at-fault driver won't have
sufficient insurance coverage to pay for all of your medical expenses,
rehab, lost wages, and property damage.
Pennsylvania law requires all drivers to carry the following minimum coverages
as part of their auto insurance policy:
- $15,000 per person in bodily injury coverage
- $30,000 per accident in bodily injury coverage
- $5,000 per accident in property damage coverage
These figures are significantly lower than the minimum requirements for
some other states, and it's likely that your damages will be higher
than these minimum coverages if the
car accident is very serious. In addition, Pennsylvania drivers must carry
personal injury protection (PIP) coverage, which covers medical expenses for car accident injuries regardless of
who is at fault for the accident.
The report also estimates that about 6.5% of Pennsylvania drivers don't
have any insurance. While this figure is somewhat alarming, it's also
lower than the percentage of uninsured drivers in many other states (over
25% of Oklahoma drivers are uninsured).
If you're injured in a car accident caused by an
uninsured or underinsured motorist, you'll need the help of an experienced Philadelphia car accident
lawyer who can help you pursue compensation for your damages in other
ways. Our attorneys at
Golomb & Honik, P.C. have more than three decades of experience handling these difficult
cases, and we'll fight aggressively to ensure your rights are protected
every step of the way.
To learn more about how we can assist you, give us a call at (215) 278-4449.