Being in an accident can result in medical bills, emotional trauma, and lost income. When the at-fault driver is uninsured, it can create additional burdens and complicate your pursuit of damages.
When an at-fault motorist has no insurance, you will not be able to make a claim against that driver’s policy. Instead, you will need to look for other avenues for compensation, such as uninsured motorist coverage under your insurance policy. In addition, you may be able to sue an at-fault driver directly for your losses.
Morelli Law Firm May Be Able to Help
A Philadelphia uninsured car accident lawyer with our firm may be able to help you collect the compensation that you need when an at-fault driver does not carry insurance. Of course, it is still necessary to show that this driver was responsible for a crash and demonstrate your losses.
When we represent you, our team can work to seek compensation from every possible source. If necessary, we will file a claim with your own insurance company based on uninsured motorist coverage and a direct lawsuit against the other driver in civil court.
Our services include:
- Investigating the accident
- Gathering evidence
- Calculating a fair settlement offer
- Negotiating on your behalf
- Representing you in court
Our team is standing by to take your call and to provide a free consultation.
Seeking Compensation from Your Insurance Company
The law in Philadelphia and throughout the Commonwealth requires all motorists to obtain car insurance. Since Pennsylvania is a no-fault state, your policy must include a minimum amount of medical coverage for your own damages, along with:
- Bodily injury liability
- Property damage liability
- Limited or full tort coverage
Portions of your insurance policy can help you recover certain damages after an accident. However, there is no requirement that your policy provide protection from uninsured motorists. This type of coverage is optional.
Uninsured Motorist Coverage
Many car insurance policies in Philadelphia offer uninsured motorist (UM) coverage as an optional area of protection. If your insurance policy includes UM, it is possible to claim compensation through your own insurer for damages beyond your medical benefits coverage.
According to the Pennsylvania Insurance Department, UM policies cover bodily injury to you and any passengers in your car at the time of the collision. It can also apply to your family members in some cases. Types of damages you may recover under a UM policy include the cost of:
- Ambulance rides
- Emergency room care
- Pain medications
- Hospital stays
Our team at Morelli Law Firm can help to explore whether your car insurance policy provides this protection and take whatever steps are necessary to convince your insurance company to provide compensation.
Philadelphia Uninsured Car Accident Lawyer Near Me 877-751-9800
You May Have the Option to Directly Sue an At-Fault Driver
It is always possible to take an at-fault driver to court as a means to demand compensation. All drivers have a duty under the law to protect others while out on the road. When a failure to drive safely results in a collision and injuries, that driver could be held personally liable for the victim’s damages.
A Philadelphia uninsured car accident lawyer from our firm is prepared to take the lead in your case and demand compensation directly from the at-fault motorist, if possible. Our team can gather evidence concerning the crash and work to form a case that leaves no doubt about the other driver’s fault for an accident. We can then take this case to court and use it to make arguments that support your demand for compensation.
However, be aware that 42 Pa. C.S.A. §5524 places a time limit of two years from the date of the accident to initiate a lawsuit. Therefore, it is important to act quickly to preserve your legal rights.
Our Team Can Help You Fight for Compensation After an Accident Involving an Uninsured Motorist
Collecting fair compensation after a collision with an uninsured driver may seem complicated, if not impossible. After all, the usual method for collecting payments is often filing a claim against an at-fault driver’s insurance company. However, there are still paths forward after these unfortunate incidents. They may result in the collection of compensation for medical bills, lost wages, and reductions in your quality of life.
A Philadelphia uninsured car accident lawyer from our firm is here to help explore every possible option. This may include filing a claim against your policy if you have uninsured motorist protection as well as suing the other driver directly for your losses.
Call Morelli Law Firm
Reach out to the legal professionals at Morelli Law Firm today. We are standing by to take your call, explain your legal rights, and provide a free consultation. We can help you collect the compensation you need to get your life back on track, even if the other driver in the accident does not have insurance. Give us a call today at (212) 751-9800 to learn more.