A car crash is challenging to deal with, but if a driver is uninsured or underinsured, problems become more serious. After a collision, drivers usually ask for each other’s insurance. If a driver does not have insurance or does not have enough to cover for your losses, you may have to pursue other means to collect the compensation you deserve.

To learn more about uninsured/underinsured car accidents in Montgomery County, speak with our team of qualified automobile crash attorneys today. A full analysis of your case may reveal the strategy needed to win you significant compensation.

Defining Uninsured and Underinsured Drivers

An uninsured driver does not carry auto insurance at any level. While state law requires all motor vehicles to have insurance, many people illegally fail to meet this requirement. These people are often irresponsible when they get behind the wheel. In many situations, they have little money or assets to satisfy a plaintiff’s costs after an injury.

Underinsured drivers do have insurance, however, the insurance they carry is insufficient to handle the harm they have caused. This is typical in serious accidents such as rollovers or head-on wrecks. The Pennsylvania Department of Transportation supervises the insurance coverage of drivers, but only certain amounts are required by law:

  • $15,000 for injury or death to a single person
  • $30,000 for injury or death to multiple people
  • $5,000 for property damage

These minimum amounts are very low, and even a relatively minor accident can quickly exceed these minimums. Even for drivers whose insurance is above these minimums, they might not have enough coverage to pay for the plaintiff’s severe injuries after a Montgomery County automobile wreck.

How to Respond if Drivers Have Little to No Insurance

If a plaintiff faces an uninsured/underinsured driver, they should approach a skilled personal injury attorney to handle their Montgomery County car crash claim. There are typically other options a plaintiff may pursue to seek the compensation they need.

Personal Injury Protection (PIP) Insurance

This insurance follows a “no-fault” system. It covers the plaintiff’s injuries regardless of who was at fault for the crash. A driver should receive coverage from their own insurance even if another driver was at fault.

Uninsured/Underinsured Motorist Coverage

The plaintiff’s insurance policy may contain uninsured/underinsured motorist coverage as part of their protections. This coverage is to prepare for the possibility that a driver does not have the necessary insurance to care for them after a collision. It picks up the slack if the other driver has no coverage or not enough.

Many insurance companies will try to evade paying this coverage to save money. A properly filed claim against a Montgomery County insurance company may assist in getting the plaintiff’s injuries covered if the other driver in the collision has low insurance or no insurance.

Direct Defendant Liability

Another possibility is seeking compensation directly from the defendant’s assets. This strategy is usually difficult, as an individual without insurance or low insurance often does not own much to begin with.

Consult an Uninsured/Underinsured Car Accident Attorney in Montgomery County

Negligent defendants do not always have the insurance necessary to compensate you properly for your injuries. If this is the case, your attorney may help you handle uninsured/underinsured car accidents in Montgomery County. You deserve proper legal representation to help with your case. Contact our office today to learn more.