So how should you as a Pennsylvania driver protect yourself and your family? Buy as much uninsured motorist coverage (UM) as you can reasonably afford. It’s cheap insurance. Your insurance agent won’t advertise what a good deal it is for you, because the premium money is comparatively less than for other types of coverage. In other words, your agent isn’t making any money by selling you UM coverage.
But you need it and it’s a cheap as well as valuable purchase. The economy has taken a toll on everyone. Dropping car insurance may seem like a good idea to someone who isn’t bringing in a paycheck. Sorry, bad choice. Car insurance is just another part of the cost of owning a car. No different than the cost of gas or an oil change.
But what’s a Pennsylvania consumer to do if injured in a car crash with an uninsured driver? Turn to your own insurance carrier in order to make a UM claim. Your insurance company steps into the shoes of the uninsured driver, and you are then able to present your personal injury claim to your own insurance company. Your company has the right to sue the uninsured driver for any money that is paid to you in UM benefits.