Our Uninsured Motorist Lawyers Can Help
An increasing number of motorists in Pennsylvania are either uninsured or carry the minimum level of liability coverage. If you are injured by a driver who does not have enough insurance to pay for your damages, our lawyers may be able to help you recover damages from your own uninsured and underinsured motorist’s coverage (UM/UIM).
At Shollenberger Januzzi & Wolfe, we offer a free initial consultation to explain how uninsured and underinsured motorist coverage works. With offices in Harrisburg and Enola, we represent car accident victims throughout central Pennsylvania.
Do You Have UM/UIM Insurance?
In Pennsylvania, your insurance company must offer uninsured and underinsured motorist coverage equal to the liability coverage you carry. If you have insurance on more than one vehicle, you may also be able to stack your UM/UIM coverage. For example, if you carry $100,000 in liability coverage on two vehicles, you can stack that insurance to have $200,000 in UM/UIM coverage.
If you do not have this coverage, the insurance company must prove that you rejected it by providing a UM/UIM rejection form, rejection of stacking form, or sign-down form to buy less UM/UIM coverage. If the insurance company cannot produce these documents, it may be forced to provide you coverage even if you have not been paying for UM/UIM coverage.
Do I Need a Lawyer to File a UM/UIM Claim?
When you file a claim against your insurance company, it may assume an adversarial position for your interests. The insurance company may offer to pay you far less than your claim is worth or even deny your claim if you make a mistake. You should contact a lawyer immediately to protect your right to full compensation.
Will My Insurance Rates Rise if I File a UM/UIM Claim?
Under Pennsylvania law, your insurance company cannot raise your rates if you were not at fault for the accident.
Our Personal Injury Firm Can Answer Your Coverage Questions
Call our attorneys for a free consultation for dependable advice about your legal options after an accident.