Uninsured / Underinsured Motorist Coverage

Scranton, Pennsylvania Uninsured / Underinsured Motorist Coverage

This type of coverage will protect you if you are involved in an accident with another driver who does not have enough insurance to pay for your injuries and damages. If you are the victim of a car accident caused by another driver who has only state-required coverage, minimal extra coverage, or no coverage at all, uninsured/underinsured motorist (UM) coverage may be the only way you can recover compensation for your damages.

For many years, Caputo & Mariotti has represented clients who have sustained serious injuries from many different causes, including car accidents. We focus on serving our clients first and believe all other benefits we receive follow from there.

You can read more about UM coverage below if you’d like, but if you or a loved one has suffered serious injury from a car accident, contact us today for a FREE CONSULTATION by calling 570-342-9999 or using our contact form. Our goal is to seek justice for all of our clients. During the initial consultation, we will discuss how we can help you protect your rights and get you the compensation you deserve!

Pennsylvania UM Insurance Law

The State of Pennsylvania requires motorists carry a minimum auto insurance of personal injury protection in the amount of $10,000 and property damage liability in the amount of $10,000.

If you purchase elective insurance coverage such as UM protection, you’ll have an additional source of insurance that takes effect if your own coverage and the coverage of the other driver falls short.

UM Coverage

UM coverage protects you, your spouse, and your relatives that live in your household, with a few exceptions. Unless your insurance company specifically tells you differently, this coverage applies as long as you had permission from the owner to be in or drive their vehicle.

UM Benefits

In order to receive UM benefits, you must prove the other driver was at fault and your injuries are of a serious or permanent nature. You also must first exhaust your PIP and the other driver’s insurance limits before recovering from your own UM policy.

If your UM insurance company does not honor your claim, you may be able to recover more than your UM policy’s limits because of their “bad faith” actions. In addition, a successful “bad faith” case may provide you with interest on unpaid benefits, reasonable attorney’s fees and costs, and damages caused by violation of Pennsylvania “bad faith” law.

UM can pay for your medical bills, damages, and losses when all other methods of financial compensation are unavailable. However, the law regarding compensation is complex, and the compensation you can receive can vary widely depending on the success of your claim. Working with one of our experienced attorneys can help to hold the insurance company responsible and get you the compensation you deserve.

Contact Our Pennsylvania UM Attorneys Today

If you or your loved one has suffered serious injuries resulting from a car accident, you can legally seek compensation. Experienced help can help you get the compensation you deserve. Contact Caputo and Mariotti today, and get the legal outcome you deserve!