Accidents Involving Uninsured And Underinsured Trucks In Pennsylvania
But unfortunately, many Pennsylvania drivers don’t hold up their end of the bargain. According to recent statistics, gathered by the Insurance Research Council, one in seven motorists on the road today are uninsured. Many more are underinsured, carrying just enough insurance on their vehicles to squeak by the law, but far less than would be realistically required to cover the damages sustained in an accident.
A Truck Drivers Legal Responsibility, And The Reality
You can be sure that many trucks, especially semi trucks, 18 wheelers, and tractor trailers are among these uninsured or underinsured vehicles. Why? Because insuring a huge, unwieldy vehicle like a truck is much more expensive than insuring a normal passenger vehicle. Because semi trucks present a greater danger on Pennsylvania’s highways, their premiums are much higher. In addition, trucks generally spend a lot more time on the road, increasing the potential for truck-related accidents.
So many trucking companies cut corners, buying inadequate insurance coverage, or none at all.
Pennsylvania Auto Insurance
In a recent article, our “Pennsylvania Truck Accident Insurance Legal Guide,” we discussed two types insurance offered in Pennsylvania, “full tort” or standard liability insurance, and “limited tort” or no-fault insurance. Today, we’re going to dig in a little deeper and compare liability insurance to comprehensive coverage.
Liability, Or Collision, Insurance In PA
Liability insurance, more commonly known as collision insurance, is your basic, essential protection against expenses incurred after a car accident. It’s limited to bodily harm and “property damage,” any damage caused to your car. Generally, a collision plan will pay for your medical expenses and any repairs that your vehicle needs. This type of insurance is what Pennsylvania state law requires a motorist to purchase. It’s also the type that uninsured drivers don’t have.
Comprehensive Auto Insurance In PA
Comprehensive insurance isn’t required by state law, but it’s often a great idea. What happens if a tree falls on your car, or your vehicle is stolen? Liability insurance doesn’t cover you in any of these situations. That’s what comprehensive insurance is for.
Most insurance carriers require you to purchase collision insurance, before you can buy a comprehensive plan. Additionally, if you’re leasing or financing a car, most dealerships and lenders require you to purchase comprehensive coverage, to protect their investment.
With those two types of auto insurance in mind, let’s turn now to a third type of auto insurance offered in Pennsylvania.
Protect Yourself From Uninsured And Underinsured Truck Drivers
In addition to liability and comprehensive insurance, you are allowed to purchase Uninsured and Underinsured Motorist coverage (UM/UIM) within Pennsylvania. Let’s run through a possible situation in which UM/UIM would come in handy.
How Does Uninsured And Underinsured Motorist Coverage Work?
At this point, it’s best to contact an experienced truck accident attorney with a comprehensive knowledge of Pennsylvania’s trucking laws. Trucking companies often have considerable legal resources behind them, so it’s very important to have someone in your corner ready and able to fight aggressively for your best interests. In your search for justice and fair compensation, it may be impossible to avoid litigation.
Of course, you expect the truck driver’s vehicle to be insured. With so much dangerous power on the roads, it would be negligent for them not to have coverage for situations just like this. But you’ve learned that the truck has no insurance, or its vastly underinsured. Without an adequate insurance policy backing the truck, your medical expenses and repairs may have to come out of your pocket.
Luckily, you purchased Uninsured and Underinsured Motorist coverage on your vehicle. So even though the truck driver in your accident was uninsured, your own insurance company will pay out your recoverable damages.
Contact Philly Truck Accident Attorneys
Does all this sound complicated? It is, and almost everyone in Pennsylvania questions their insurance decisions at some point. But after a truck accident, which may have devastating physical, emotional, and financial effects, these questions should be the last ones on your mind.
Injured in a truck accident? Contact our attorneys today to begin reviewing your legal options. With over 30 years of experience representing the victims of truck accidents in Philadelphia and across Pennsylvania, our truck accident lawyers have gained the expertise needed to hold trucking companies accountable.