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Insurance that Protects You: Uninsured Driver Motor Vehicle Insurance Coverage

Uninsured Motorist and Underinsured Motorist Coverage

Accidents happen, and unfortunately, they're a part of life on the road. In Pennsylvania alone, the statistics are sobering: an average of 318 reportable traffic crashes occur daily, resulting in 3 fatalities and 184 injuries. These numbers underscore the importance of being adequately protected in the event of an accident. This is where Uninsured Motorist and Underinsured Motorist Coverage (UM/UIM) comes into play.


UM/UIM coverage is often overlooked or misunderstood, yet it is one of the most critical types of automobile insurance you can purchase for yourself and your family. In essence, it acts as a safety net, ensuring that you are protected if you're involved in an accident caused by a driver who either has no insurance or insufficient coverage to compensate you for your losses.


Consider This Scenario:


You're driving along, obeying all traffic laws, when suddenly another driver runs a red light and plows into your car. The accident leaves you with significant medical bills, time off work due to injuries, and ongoing pain and suffering. If the at-fault driver doesn't have insurance or has minimal coverage that doesn't come close to covering your expenses, UM/UIM coverage steps in to fill the gap.


In Pennsylvania, the state minimum insurance for bodily injury is $15,000/$30,000. However, this amount is often inadequate to cover the full extent of damages in a serious accident. This is where UM/UIM coverage becomes indispensable. It provides additional financial protection for you and your loved ones, ensuring that you're not left financially devastated due to someone else's negligence.


So, why should you consider purchasing UM/UIM coverage?


  • Protection for You and Your Family: UM/UIM coverage safeguards you and your loved ones in the event of an accident, providing peace of mind knowing that you're financially protected no matter what.

  • Coverage When At-Fault Driver is Uninsured or Underinsured: It's a sobering fact that not all drivers on the road carry insurance, and even those who do may not have adequate coverage. UM/UIM steps in to ensure that you're not left holding the bag for someone else's lack of responsibility.

  • Value for Money: Considering the relatively low cost of UM/UIM coverage compared to the potentially astronomical expenses of an accident, it's a wise investment that offers significant benefits in return.


To ensure that you have the coverage you need, we recommend the following:


  1. Consult with Your Insurance Agent: Take the time to understand all the coverage options available to you, including UM/UIM. Your insurance agent can provide valuable insights and help you make informed decisions.

  2. Review Your Declarations Page: Let us review your insurance policy's declarations page at no cost to you. We can identify any gaps in coverage and make recommendations to ensure that you're adequately protected.


UM/UIM coverage is not something to be overlooked or taken lightly. It's a crucial component of your auto insurance policy that provides essential protection for you and your family in the event of an accident. Don't wait until it's too late—take proactive steps today to ensure that you're prepared for whatever the road may bring. Contact the experienced attorneys at Fiffik Law Group to learn more.


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