What If I Am Involved In an Uninsured Car Accident In Philadelphia

In Pennsylvania, every driver is required to have a car insurance. However, this is not always the case, as there are many drivers without a car insurance or those without enough insurance. The law states that those who do not have a car insurance can be fined for $300 and a suspension of their driver's license and vehicle registration for up to 3 months. Additionally, they will face $176 in fees to get their registration and license reinstated.

But what happens if you find yourself in a car accident with another driver who is not insured, or does not have enough coverage?

Driving Without Coverage

In reality, not everyone can afford to pay for expensive car insurance. Some people barely keep the food on the table and need their vehicles to travel to and from work. They simply don't have the money needed to buy the car insurance. And if you ever find yourself in a car accident with an uninsured driver, getting the compensation that you deserve for your full recovery will be very difficult.

Lucky for you, Pennsylvania is a no-fault state, meaning that your own car insurance will have to cover for all the damages you sustained from a car accident. They will have to reimburse you for all the damages, medical costs, and lost wages. However, you won't receive the full compensation as there are state limits on the compensation policies. In order to receive additional compensation, you could file a lawsuit against the person responsible for causing the accident. Contact Car Accident Attorneys in Philadelphia and learn how you can file an additional claim with your insurance policy.

Drivers With Undercoverage

Besides drivers without a car insurance, there are those who simply don't have enough car insurance on their policies. Some people cannot afford to get more than $5,000 on their insurance policies. And if you just totaled your $20,000 car in the accident caused by the underinsured driver, you would have to get that driver to compensate you for the difference. But in reality, not everyone has $15,000 just sitting in their bank account. This is not always feasible, and the chances are that you are going to need an attorney to help you get the money you are owed. For this reason, you should immediately contact Philadelphia Car Accident Attorneys and schedule a free initial consultation.

Another aspect of the accident is whether or not you call the police. If the at-fault driver is not insured, he or she may request that you settle this on the spot, without involving the police. This is how they avoid paying for the fees and penalties of having no car insurance. If you choose not to involve the police, you may help the other driver. But in the long run, you are not helping yourself. What if you develop a condition, and cannot seek further compensation as there is no evidence or record of any injury that happened to you lately? For this reason, it is always a better option to call the police and do everything by the book.