Uninsured motorist coverage provides essential financial protection when a driver without insurance causes an accident. This type of insurance can cover certain expenses.
Understanding how this coverage works can help those impacted by an uninsured driver.
What uninsured motorist coverage includes
Uninsured motorist coverage helps pay for damages caused by drivers who lack insurance. In Pennsylvania, this optional policy can cover medical bills, lost wages, and other accident-related costs. It applies when the other driver cannot pay for damages because they do not have liability insurance.
Medical bills are often one of the largest concerns after a car accident. Pennsylvania’s uninsured motorist coverage helps pay for hospital stays, surgeries, therapy, and ongoing treatments. This reduces the financial burden on those injured in an accident.
Compensation for lost wages
Lost wages can quickly add up when injuries prevent someone from working. Pennsylvania allows uninsured motorist coverage to include compensation for income lost during recovery. This means individuals can focus on healing without worrying about missing paychecks.
To claim lost wages, individuals must provide proof, such as medical records and employment information. The insurance company will calculate the amount of income lost based on this evidence.
Understanding Pennsylvania’s insurance laws
Pennsylvania follows a no-fault insurance system, which means drivers turn to their own insurance policies first after an accident. However, uninsured motorist coverage becomes crucial when an at-fault driver lacks liability insurance. It ensures individuals still receive compensation for their injuries and losses.
Protecting financial well-being
Uninsured motorist coverage plays a key role in reducing financial stress after an accident. It helps cover medical bills and lost wages when an uninsured driver causes harm. This coverage provides peace of mind and ensures individuals can recover without unnecessary financial setbacks.