Uninsured motorists cause some of the car accidents in Pennsylvania. If such a motorist hits you and causes injuries, stay composed. Take the necessary steps to protect yourself and your interests.
Understanding a few key aspects can aid in a smooth recovery process.
1. Take immediate action
Always prioritize safety. Ensure everyone is out of harm’s way and seek medical attention for injuries. Regardless of the at-fault party’s insurance status, promptly report the incident to law enforcement. Gathering relevant details such as the uninsured driver’s information, witness accounts and photographs of the scene can be invaluable.
2. Notify your insurance company
In Pennsylvania, certain types of insurance coverage are mandatory, and insurance companies must offer uninsured motorist coverage. Notify your insurance provider promptly about the accident. Your insurance may cover medical expenses and property damage up to the policy limits.
3. Obtain a copy of the police report
The police report serves as an official document detailing the accident. Acquire a copy of this report as it can aid in establishing fault and supporting your insurance claim. This factual record can be helpful in the absence of the at-fault driver’s insurance.
4. Use personal injury protection
Pennsylvania is a no-fault state, and PIP is mandatory. PIP covers medical expenses and other related costs, regardless of who is at fault. Ensure you use your PIP benefits to cover immediate medical bills and other expenses.
5. Be cautious with statements
When interacting with insurance representatives or any other parties, be cautious with your statements. Avoid admitting fault or making statements that may compromise your position. Stick to factual information.
Accidents involving uninsured motorists in Pennsylvania can be even more stressful on top of injuries, lost wages and other complications. A few steps can help you navigate the aftermath more effectively.
