An automobile accident lawyer can help even if the other driver does not have insurance.
Pennsylvania law requires that all drivers owning a vehicle purchase and maintain minimum levels of insurance on a currently registered vehicle. The minimum levels are liability insurance which covers $15,000 for injury or death of one person in an accident, $30,000 for injury or death of more than one person in an accident and $5,000 for medical payments if the injured party does not have that type of coverage. Substantial penalties are enforced if a Pennsylvania driver is found to be driving without proper insurance.
According to PennDOT, a driver could face the following penalties if their vehicle is not properly insured:
- A minimum of $300 fine for driving uninsured
- A three-month suspension of your vehicle registration
- A three-month suspension of your driverís license
- $50 restoration fee to restore your vehicle registration
- $50 restoration fee to restore your driverís license
- That vehicle may not be driven by anyone while the registration is suspended
Despite these penalties, if you are in an accident there is no guarantee that the other driver will be insured.
- Drivers can come from other states where insurance laws are different.
- Some Pennsylvania drivers will simply not comply with the law for their own reasons.
- You may get into an accident with an undocumented resident.
Surprisingly, some insurance companies will sell valid insurance to undocumented residents, because it’s better for both the insurance companies and drivers if more people have insurance, regardless of their citizenship status. Nonetheless, in many cases, and for various reasons, people are driving around without the required insurance.
If you are injured in an accident where the other driver does not have insurance, an automobile accident lawyer can fully explain your options, and these options depend on what types and levels of insurance you are carrying at the time of the accident.
If you chose “no fault,” or “liability only” coverage, your automobile accident lawyer will be negotiating with your own insurance company for compensation for medical bills only. However, if you were smart enough to elect Uninsured (UM) or Uninsured (UIM) coverage, you have more options. These options will be very much dependent upon whether or not you selected “Full Tort” or “Limited Tort.”
“Full Tort” coverage generally has a higher premium than Limited Tort, but allows you more options to sue for damages. You can still have a successful UM or UIM claim against your own policy even if you chose Limited Tort, but ONLY if you suffer a “serious injury.” This typically means death, disfigurement, surgical procedures, permanent scarring or, most often seen, a “serious impairment of a body function.”
Notwithstanding, you may be surprised to find how uncooperative your own insurance company becomes when you attempt to collect what is due to you.
Whether you have “full tort” or “limited tort” coverage, Philadelphia injury lawyer Jeffrey Penneys can help you by providing the latest information, making sure your insurance company pays what is due to you, or even representing you in court – if that becomes necessary. If you have any concerns regarding auto insurance or an automobile accident, contact Philadelphia car accident lawyer Jeffrey Harlan Penneys at 1-800-465-8795 (800-injury-law) for expert legal help.