Uninsured Motorist Coverage works like this.  Let's say a fictional young woman named Jane is stopped in a line of traffic while waiting for the red light to change. A drunk driver rear ends her vehicle at a high speed and causes Jane to suffer injuries to her leg and face that require surgery and leave her scarred and with a permanent limp.  The drunk driver has no insurance. 

If Jane has Uninsured Motorist Coverage then her insurance company will pay her for the harm that she suffered (up to the limit of the coverage that she bought) in the amount that the drunk driver would have been responsible to pay her.  On the other hand, if Jane doesn't have "U" Coverage and the drunk driver has no assets (and many uninsured drivers don't) then there may be no way for Jane to get compensation for the harm she suffered.

How much the insurance company will pay is often a subject of dispute between injured people and their insurance companies.  Sometimes injured people don't know how much their injuries are worth and they're not sure if they should trust their insurance company (They're right to be skeptical of their insurance company.  See, for example, our real life stories about the insurance company that claimed not to know its own coverage and the insurance company whose evaluation increased by over 600%).  Moreover, injured people often don't know how to make the insurance company pay when the insurance company refuses to be fair on its own.

In our free book, " The Ultimate Guide to Car Accident Cases in Pennsylvania: A Roadmap to Justice " we discuss Pennsylvania Uninsured Motorist coverage in detail and offer you advice about how much insurance to buy.  For a free, no obligation copy of our book, click HERE .

If you or someone you love has been injured in a Pennsylvania car accident with a driver who has no insurance or if you were the victim of a hit and run accident, you may have questions about your insurance, you may want to get advice from an Erie insurance lawyer to ensure you're being treated fairly by the insurance company.  You may want to speak with an experienced northwest Pennsylvania insurance lawyer . Most Erie injury lawyers offer free consults free consults so it shouldn't cost you anything just to speak with someone.