Uninsured and Underinsured Motorists

Chester County Uninsured Motorist Attorney

Uninsured and Underinsured Motorist Claims

Most people who are injured in an accident have the ability to recover some form of compensation for medical treatment — whether it is through the at-fault driver’s car insurance policy or another source of liability coverage. However, for some injured people, there is not an immediately-recognizable source of liability coverage because the at-fault driver was illegally uninsured. In other cases, there is far too little policy limits on the at-fault driver’s insurance policy to even scratch the surface of what is needed.

Baldo Law Offices focuses on handling complicated insurance issues so that you can focus on more important things — recuperating from a serious car accident. With over 20 years of experience, attorney Frank Baldo has comprehensive knowledge and experience handling uninsured and underinsured motorist claims in Pennsylvania.

Car Accident Liability for Injuries and Expenses

Pennsylvania insurance laws require all drivers to carry a minimum of $15,000 liability coverage for injuries and $5,000 liability coverage for property damage which results from a car accident that they were responsible for.

  • Uninsured motorists: What happens when the driver, in direct violation of Pennsylvania, is uninsured or if the at-fault driver cannot be located — such as in a hit and run accident? In these situations, you may be able to file a claim against your own insurance policy for uninsured/underinsured motorist coverage up to policy limits.
  • Underinsured motorists: A single night in the emergency room or ICU could cost tens of thousands of dollars — not counting the costs of X-Rays, MRIs, CT scans, urgent medical care and long-term physical or occupational therapy. Undoubtedly, $15,000 (the minimum liability insurance coverage required by Pennsylvania law) is not enough when injuries require extensive treatment or care. However, if the at-fault driver’s liability coverage is insufficient to fully compensate you and cover the costs of your injuries, you may be able to file a claim against your own policy for underinsured motorist benefits up to policy limits.

Our personal injury lawyer can help you understand your insurance policy. Even more importantly, he can take on the burden of dealing with the insurance company, allowing you to focus on your recovery.

We at Baldo Law Offices invite you to contact us today to schedule a free initial consultation with personal injury attorney Frank Baldo to discuss your car crash case. See firsthand how our passion, dedication, care and quality service can make a difference in your personal injury case. Call (610) 565-9500 or toll-free at 1-800-220-3352.