Should I buy ‘U’ Coverage as part of my Pennsylvania car insurance?

“U” coverage, otherwise known as uninsured motorist coverage or underinsured motorist coverage, is one of the most important coverages that you can buy to protect yourself and your family from the risks of Pennsylvania car accidents.

There are many uninsured and underinsured drivers in Pennsylvania. One national study found that one in six drivers throughout the United States has no car insurance. Of those drivers who do have insurance, many do not have enough insurance. Because the mandatory liability limits in Pennsylvania are so low ($15,000 is the minimum amount that Pennsylvania drivers are required to buy), and because many people buy only as much insurance as the law requires (and no more), there are far too many people who cause accidents and who do not have enough coverage to compensate the people who they harm. We buy “U” Coverage for ourselves and for our families, and we recommend that our friends, neighbors, and everyone else in Pennsylvania buy “U” Coverage, too.