As the Pandemic Lessons, Let’s Check our Underinsured and Uninsured Motorist Coverages

Date: April 23, 2021

With vaccinations moving ahead at full steam, people are starting to get out more, move around more and especially drive their cars more.  For a time during the pandemic, auto accident rates were way down.  People were not on the roads.  Unfortunately, now that everyone is getting back out and about auto accidents are on the rise.  Now would be a good time to review your automobile insurance policies with your agent.  In particular you should check on your Underinsured and Uninsured motorist coverages. 

Do I need uninsured motorist coverage? Or do I need underinsured motorist coverage?

These are probably the two (2) most important coverages for protection of you and your loved ones on your policy.  Uninsured coverage protects you and your family if you are struck by a careless driver who does not have auto insurance.  Unbelievably there are many!  Underinsured coverage protects you and your family if you are struck and injured by a driver with not enough auto insurance to cover the injuries and damages he or she caused.  In other words, they would be “underinsured”.  You should ALWAYS purchase UIM/UM coverage.  You should ALWAYS have the same UIM/UM limits as you do liability limits.  You should NEVER waive stacking; NEVER!  Make sure to ask your insurance agent to make sure you and your loved ones are protected.   And, NEVER choose the Limited Tort Option!

If you are the victim of an auto or truck accident, please call the trial lawyers at Dougherty Leventhal & Price, LLP. 

Remember:  Injury? Call DLP! (570) C-A-L-L-D-L-P

Joe Price
Attorney Joe Price is a seasoned Trial Lawyer serving Northeast, Central and Southeast Pennsylvania for the past forty (40) years. He has handled serious personal injury cases in courts throughout the Federal system including New Jersey and New York. Attorney Price is A.V. Rated by Martindale Hubble. He is Board Certified in Civil Practice by the National Board of Trial Advocacy since 1996.