UM (Uninsured Motorist Coverage)
In Pennsylvania, UM and UIM coverage are similar. Using the same scenario above, if you are hit by a drunk driver who does not have insurance at all, how will you recover for your injuries? What if you are the victim of a hit and run? What if a phantom driver enters your lane of travel causing you to steer into the guardrail?
In these circumstances, if you have UM (uninsured motorist) coverage, you may be able to make a claim against your own insurance company for your injuries. Similar to UIM benefits, UM coverage may be equal to, less than, but not more than the bodily injury liability limits on the policy. As with UIM coverage, the contract language of your insurance policy decides whether the case must be arbitrated or litigated in the Court of Common Pleas.
As with UIM claims, the choice you made regarding the election of full tort or limited tort does legally control whether or not you can make a Pennsylvania uninsured motorist claim.
There are also times when a UM claim can be denied or UM coverage can be excluded. Pennsylvania uninsured motorist law constantly evolves. Our attorneys are experienced in dealing with UM claims. If you or someone you know has been injured in an accident where there is no insurance coverage to compensate you for your injuries, contact us today for your free consultation.