Underinsured and uninsured benefits. What is it? This is important, extra insurance available to you. When you are injured in a car accident or other motor vehicle crash, the at-fault driver's insurance would apply to cover your damages. But, if the at-fault driver doesn't have enough insurance to cover your damages, underinsured and uninsured motorist benefits would cover you.
In Pennsylvania, your auto insurance company must offer you the option to purchase underinsured and uninsured motorist coverage. This is what protects you and your family against other drivers who either do not have enough insurance or are driving without insurance.
You have the right to choose to decline this coverage. Because it is an important decision, the Pennsylvania Courts have decided that your insurance company must provide you with a form. If you want to "reject" underinsured and uninsured motorist coverage, your insurer must explain that and then have you sign the correct forms. If you do not sign these forms, even if you don't pay premiums for underinsured and uninsured benefits, you may still be entitled to this coverage.
If you are unsure, you can request that your insurance company produce your signed rejection forms. They are obligated to give this to you.
You may want to have any such forms reviewed by an experienced personal injury lawyer.
If you've already been in an accident and have suffered damages, the amount of coverage available to you may prove to be very important.
David Schreiber
Wolpert Schreiber P.C.
610-792-3304
