Philadelphia Uninsured Car Accident Lawyer

If you have been injured in a car accident caused by an uninsured driver in Philadelphia, you may feel overwhelmed, frustrated, and uncertain about your options. A Philadelphia uninsured car accident lawyer can help you pursue the compensation you deserve.

Understanding Uninsured Motorist Accidents in Pennsylvania

In Pennsylvania, drivers are required to carry minimum liability insurance that covers:

• $15,000 for bodily injury per person
• $30,000 for total bodily injury per accident
• $5,000 for property damage

Despite these legal requirements, uninsured drivers remain a risk on Philadelphia roads. As a result, victims can be left with the costs.

Options for Compensation after an Accident with an Uninsured Driver

Since Pennsylvania follows a choice no-fault system, you can turn to your own insurance company to recover economic losses like medical expenses and lost income after a crash, regardless of fault. Depending on the specifics of your policy, you may be able to recover damages through:

• Personal Injury Protection (PIP): This is mandatory in Pennsylvania and covers medical bills and some lost wages regardless of fault.
• Uninsured Motorist (UM) Coverage: Optional but highly recommended, this coverage allows you to file a claim with your own insurer to pay for medical expenses, lost wages, and pain and suffering if the at-fault driver has no insurance.
• Underinsured Motorist (UIM) Coverage: If the driver has insurance but not enough to cover your losses, UIM coverage can help fill the gap.
• Uninsured Motorist Property Damage (UMPD): If added to your policy, this can help cover the costs to repair or replace your vehicle.

Filing a claim against your own insurance company does not guarantee full compensation. Insurers may delay, deny, or undervalue your claim.

How a Philadelphia Uninsured Car Accident Attorney Can Help

A skilled uninsured car accident lawyer can evaluate your case, identify all possible sources of compensation, and advocate for your rights. For instance, they can help by:

• Reviewing your insurance policy for uninsured and underinsured motorist coverage
• Filing claims through your own insurer when applicable
• Determining whether the Pennsylvania Financial Responsibility Assigned Claims Plan (FRACP) applies
• Filing a personal injury lawsuit against the at-fault driver, if viable
• Collecting and preserving crucial evidence such as police reports, medical records, and witness statements
• Negotiating with insurance companies to pursue a fair settlement

Pennsylvania operates under a modified comparative negligence rule, meaning that your ability to recover compensation may be reduced if you are found partially at fault for the accident. A knowledgeable Philly uninsured vehicle accident attorney will work to minimize your liability and maximize your compensation.

Speak to a Trusted Philadelphia Uninsured Car Accident Lawyer Today

You do not have to face the aftermath of an uninsured motorist accident alone. An experienced Philadelphia car accident lawyer can help you pursue every available legal avenue to secure the compensation you need for recovery. Time limits apply to personal injury claims in Pennsylvania, so it is critical to act quickly to protect your rights. Contact our office today and call (215) 569-0200 for a free consultation and let us help you move forward.