A: Pennsylvania Underinsured Motorist Coverage is a coverage you buy from your insurance company.  If you've purchase underinsured motorist coverage and you're injured in a car accident caused by a driver who doesn't have enough insurance coverage to make you whole then your insurance company will make up the difference between the total value of your case and the coverage the at-fault driver purchased.

Consider this scenario.  You are hit from behind and injured.  Your case, including lost wages, medical bills and pain and suffering, is worth $100,000.  The driver who hit you only has $15,000 in coverage.  If you bought underinsured motorist coverage, your insurance company will make up the difference and pay you $85,000 (assuming you purchased at least $85,000 in underinsured motorist coverage).

How much your case is worth 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 Underinsured 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 and you 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 so it shouldn't cost you anything just to speak with someone.