If you were injured in an auto accident, and your car is insured in Pennsylvania, your insurance policy may include several provisions that will compensate you for your medical expenses, property damage, and possibly more. However, your insurance company may be reluctant to pay the full amount you deserve.

Early guidance from an experienced insurance attorney will ensure that your rights are honored by your insurer. If possible, begin working with a lawyer immediately after your accident, and have your counsel handle all negotiations with the insurance company. If you would like to speak with a member of our Kingston law firm about the process, Contact Us our office and make arrangements for a free consultation.

Pennsylvania Auto Insurance Policy Provisions

Our auto insurance attorneys  will be happy to make recommendations to you about investing in options that increase your coverage:

Uninsured Motorist (UM): If the accident was caused by the driver of the other vehicle, and that driver had no insurance, UM will pay your expenses. This provision also covers your losses in a hit and run accident.

Underinsured Motorist (UIM): If the driver that caused your accident has coverage, but not enough to pay all of your costs, this provision on your policy will cover the remainder.

Full Tort / Limited Tort Insurance: The small extra cost of full tort insurance is a good investment, ensuring that in the even of an injury you will receive adequate benefits. (Catastrophic injury and wrongful death are exempt from the limitations under limited tort insurance.)

Stacking Insurance: Policy coverage for vehicles in your household can be combined to provide higher coverage limits.

Work Loss: Insurance to compensate you for lost wages.

Medical Insurance: The cost of treating even moderate injuries can quickly deplete the minimum coverage benefits.