Auto Accident Lawyers in Philadelphia Discuss the Need for Uninsured (UM) and Underinsured (UIM) Motorist Coverage

One Out of Every Seven Drivers on the Road Is an Uninsured Motorist

According to a recent Insurance Research Institute Council (IRIC) study, one in seven drivers is uninsured.  This means that if you are seriously injured in an automobile collision you may not be able to receive a single penny from the at-fault driver because he has no insurance or assets.  According to that same IRIC study, 7% of Pennsylvania drivers and 11% of New Jersey drivers are uninsured.

You Need UM and UIM Coverage to Protect You and Your Family When You Can’t Work and Have Future Medical Bills

The life of those injured in an automobile collision is often significantly changed because they may require future medical care that could cost thousands of dollars.  The family of the injured is also impacted especially if the injured person, who had provided necessary income prior to the collision, can’t work.

How do you make sure that you are adequately compensated for your medical needs, lost wages and pain and suffering?  How do you make sure your loved ones will be protected?  The answer is simple, make sure that you call your insurance agent today and confirm that you have Uninsured and Underinsured Motorist insurance coverage.

How Much UM and UIM Coverage Should I Obtain?

You should get as much coverage as you can afford.  If you are critically injured in an automobile collision how much money would you like to know is available to help you and your family when you are unable to work and have future medical needs?   Would $100,000, $250,000, $500,000 or more be needed so you know your family is being adequately protected?  Take the time now to get adequate Uninsured or Underinsured coverage to protect you and your family.

Insurance companies don’t want you to buy this coverage because it means they will have to pay out more benefits if their insureds have such coverage and are in an auto collision.  The law differs from State to State regarding how this coverage operates, but it is important to know you need this coverage before a collision.  You can increase your coverage after a collision but those changes will not apply to the injuries you had before you changed your policy.

If you have been a victim of an injury as a result of an Uninsured or Underinsured driver, contact Galfand Berger to see if we can provide you with legal representation to help you with regard to the damages you have suffered.  These types of auto accident claims often involve complex insurance coverage issues requiring skilled auto accident litigators who are experienced and knowledgeable about UM and UIM coverage. For your information, our firm provides a free Auto Insurance booklet .

Call the Philadelphia Auto Accident Lawyers at Galfand Berger

If you or someone you love has suffered injuries in an automobile collision, we encourage you to contact our Philadelphia automobile collision lawyers at the law firm of Galfand Berger.  Our attorneys will fully examine the details of your case to determine whether you have a valid claim against the person who caused the collision.  Our offices are conveniently located in Philadelphia, Reading and Bethlehem, Pennsylvania.  Contact the automobile collision attorneys at Galfand Berger at 1-800-222-USWA (8792) to schedule a free and confidential consultation or submit a free online inquiry.