Car Accidents-More $$ For You Thru Under Insurance

If you are involved in a car accident and the person who causes the accident does not have enough insurance to make you whole what can you do?

This issue comes up a lot with clients in car accident cases.

The person who causes the accident whether it’s a rear ender or a fellow who runs a red light often does NOT  have enough insurance to make you whole.
As I’ve mentioned before in Pennsylvania you are only required to carry $15,000 in car insurance in order to be legal and law-abiding in the Keystone State

And often times because of financial considerations that’s exactly what people do.
They get minimal insurance coverage.

For the victim it is almost like the luck of the draw.

Sometimes the person who causes your accident may have the state minimum of $15,000. Other times the person who causes the accident might have $300,000 in coverage.

Of course you are in a much better position if the wrongdoer has $300,000 in available coverage. Duh.
But each case is different obviously.

So the answer to the question is that there may be other sources of recovery that you can look to.

The most common secondary form of available $$ to you is if you purchase what is called under insurance on your auto policy.

Under insurance protection comes into play in the very situation we are talking about.

The wrongdoer does not have enough insurance to make you whole.

That’s when you make an under insurance claim.

There are 2 important factors that are both positive in this regard.

1st the amount of $$ you have to pay for under insurance is not high at all.

Sometimes it’s only a matter of a few dollars and you can get up to $$100,000 dollars of under insurance protection for you

The 2nd thing that’s important is  your insurance rates will not go up because you are making an under insurance claim.

Honest injun.

It is in fact illegal for your insurance company to raise your rates because you make an under insurance claim.

The last thing they want to do is to be sued for doing something illegal.

So you’re protected 100 percent in that regard.

The goal of Pittsburgh under insurance attorney Bernie Tully is to get as much $$ as we can for you in this situation.

Pittsburgh under insurance attorney Bernie Tully has your best interest at heart in these matters.

Finally,under insurance protection only has to do with your auto policy.
You cannot for example get under insurance if you have a slip and fall accident as a general rule.

But even in that circumstance there could be some leeway.
You may for example be covered under your homeowners policy.

Pittsburgh under insurance attorney Bernie Tully wants to wish you a happy and joyous Easter season.

Peace.

Bernie Tully Esq.