What You Need to Know About Uninsured Drivers in Pennsylvania
You’ve gotten into a traffic accident. When you get out of your vehicle to exchange insurance information, you discover the other motorist doesn’t have any coverage. Worse yet, they take off before you can even get their name, leaving you high, dry and without reliable transportation.
What do you do?
What to Do If Hit by an Uninsured Driver in Harrisburg
This scenario happens more frequently than you might think across Harrisburg and the rest of the Susquehanna Valley. In fact, some sources suggest that up to 12.5 percent, or one-eighth, of people drive without any kind of insurance. That doesn’t count the ones who have insurance, but are under-insured.
The best way to protect yourself in this situation is to add under-insured or uninsured driver coverage to your auto insurance policy.
How Uninsured and Under-Insured Driver Coverage Works
Let’s assume another driver doesn’t have liability insurance. He or she might even drive off, leaving you without any way to recover damages. In this case, your uninsured or under-insured driver coverage pays for what the other party’s insurance provider would typically cover.
What’s the difference between the two coverage types? Uninsured driver coverage is for incidents when the driver has no insurance, while under-insured driver coverage is for accidents when the at-fault motorist has protection, but your damages exceed the maximum amount their insurance will cover.
What Will an Uninsured or Under-Insured Policy Cover?
In both types of insurance coverage cases, your policy should help you if you or passengers incur bodily injury, or if your vehicle and related property are damaged. You may also be eligible for reimbursement through your healthcare insurance provider if you receive medical care or are hospitalized after a car wreck that wasn’t your fault. Also, your collision insurance may also pay a portion of your costs in the case that you are hit by an uninsured or under-insured driver.
Although it’s optional for Pennsylvania drivers to carry uninsured or under-insured driver coverage, most insurance specialists highly recommended it.
Contact Strock Insurance for Underinsured and Uninsured Driver Coverage Today
If you’re considering adding this type of coverage to a current auto insurance policy or want to investigate the best auto insurance rates on the market, please contact Strock Insurance. Fill out the form on this page or give us a call at any of our Harrisburg area offices.
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