Uninsured & Underinsured Motorist Attorneys | Pennsylvania & Tri-State Area
Being injured by a driver with no insurance or insufficient insurance is a frustrating situation. Fortunately, your own auto insurance policy likely includes uninsured motorist (UM) and underinsured motorist (UIM) coverage that can compensate you for injuries caused by at-fault drivers who lack adequate insurance. At Siddons Law Firm, our UM/UIM lawyers help clients navigate these complex claims against their own insurance companies. Call 610-255-7500 for a free consultation.
Understanding UM/UIM Coverage in Pennsylvania
Pennsylvania law requires insurers to offer UM/UIM coverage, though policyholders may reject it in writing. If you did not sign a rejection form, you likely have UM/UIM coverage equal to your liability limits. Stacking is available in Pennsylvania, which means if you have multiple vehicles on your policy, your UM/UIM limits may be multiplied by the number of vehicles. Our attorneys review your policy to identify the maximum available coverage.
When UM/UIM Coverage Applies
Uninsured motorist coverage applies when you are hit by a driver with no insurance, involved in a hit-and-run accident, or struck by a driver whose insurer denies coverage. Underinsured motorist coverage applies when the at-fault driver’s insurance limits are not sufficient to cover your total damages.
Fighting Your Own Insurance Company
UM/UIM claims pit you against your own insurance company, which has financial incentives to minimize your payout. Insurance adjusters may use delay tactics, lowball settlement offers, and aggressive investigation to reduce claim values. Having an experienced attorney levels the playing field.
Contact Our UM/UIM Lawyers
Contact Siddons Law Firm at 610-255-7500 for a free consultation about your uninsured or underinsured motorist claim.