Car accidents are complicated. Suddenly, and unexpectedly, you are forced to deal with the physical, financial and practical problems created from the crash.
You are talking to insurance agents and you may be hearing different stories about what your recovery might be for your Pennsylvania accident injuries. The situation may be even more complicated if the other driver did not have car insurance in Pennsylvania.
If the other driver does not carry Pennsylvania car insurance that does not necessarily preclude your recovery. The first question is whether the driver had car insurance in other state that might cover your accident injuries. If that is the case then the other driver’s insurance company may be required to pay your damages. If the answer to the first question is no then it is time to ask the second question. That question is whether you may recover damages from your own insurance company. The answer to this question depends on whether you selected uninsured motorist insurance when you purchased your car insurance policy.
If you selected uninsured motorist insurance coverage and the other driver is either uninsured or has insurance that for some reason does not apply to your Pennsylvania car accident then you may be able to recover damages from your own insurance company.
Have you ever collected damages from your own insurance company? Were you pleased that you had purchased uninsured motorist coverage? Please leave a comment and share your story with others who may need to make a claim with their own insurance company or who may be considering whether or not to purchase uninsured motorist coverage. Your comment may make a difference in the life of someone else.