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Do You Know How Many Uninsured Drivers There Are in PA (And, What It Means For You)?

By January 7, 2020 January 30th, 2020 Personal Insurance

Almost all states require some type of auto insurance (bonus points if you know the two states that have no car insurance requirements), yet one in seven drivers on average are uninsured.

That means that at any given time on the road, there’s an average of 14% of drivers who aren’t protected with insurance. Insurance that could reimburse you for damages to your car in the case of an accident.

If you are wondering what this means for you, an insured driver, it certainly complicates things. Getting in an accident with an uninsured driver may mean that the burden of paying for repairs falls on you.

Here’s what you can do to protect yourself against uninsured motorists:

Determining Fault

Calling the police after an accident and taking down all witness statements as well as properly documenting damage can help ensure that you aren’t found guilty after leaving the scene of an accident.

It is still important to take these steps and take down all pertinent contact/vehicle information for all drivers even if the driver at fault is uninsured.

Add Personal Injury Protection to your policy

Personal Injury Protection (PIP) coverage exists to cover the cost of reasonable, necessary medical expenses and damages such (i.e. lost wages). This coverage exists for anyone who needs it regardless of fault. In PA, this coverage does not protect for damages done to the insured’s vehicle. It will only reimburse for medical expenses above and beyond the policy limits.

Depending on the insurance company, there may be an increase in premium, even if the claim is not the policy holder’s fault.

Buy Uninsured/Under­insured Motorist coverage

Uninsured motorist/Underinsured motorist coverage, or UM/UIM, is the best way to protect yourself against another driver’s lack of insurance. If the other driver is at fault, this is a way to cover the cost of damages and the liability of injuries to yourself or your passengers.

Not only is UM/UIM insurance the most affordable way to protect yourself, but it also comes with no penalty to you or increased charge if you need to file a claim.

Although some people end up taking uninsured drivers to court to recoup damages, it is likely that the driver may not have the means to recoup damages, leaving you at even more of a loss than after the accident.

For any insurance questions you may have, our team of agents are ready to help. Contact us today or give us a call at 610-770-6600.