A crash can create immediate financial pressure when the driver who caused it has no insurance or does not carry enough coverage to pay for your losses. If you sustained injuries in an accident with an uninsured or underinsured driver, your insurance policy may become an important part of the claim. A car accident attorney from our firm could review the available insurance, preserve evidence, and explain what compensation may be available.
At Soloff & Zervanos, P.C., we represent people with injuries from serious motor vehicle crashes, including uninsured/underinsured car accidents in Allentown. We could examine how the collision happened, obtain insurance records, and document the medical and financial effects of your injuries. When the at-fault driver lacks adequate coverage, our attorneys could also determine whether uninsured or underinsured motorist benefits apply.
State law treats uninsured and underinsured motorist coverage as separate protections. Under 75 Pennsylvania Consolidated Statutes § 1731, uninsured motorist (UM) coverage can apply when you are legally entitled to recover damages from the owner or operator of an uninsured vehicle. Underinsured motorist (UIM) coverage can apply when the responsible driver has insurance, but the available limits do not cover your losses.
The policy documents can show what coverage you purchased and whether you rejected UM or UIM protection in writing. They also identify the limits that apply when an uninsured or underinsured driver causes a vehicle collision in Allentown. We could review the full policy record to determine what protection was in place before communicating with the insurer.
Insurance coverage does not eliminate the need to prove fault and damages. The evidence should show how the crash happened, how it caused your injuries, and the medical treatment and financial losses that followed. A well-developed record gives the insurer a clearer basis for evaluating both responsibility and the full extent of your damages.
A motor vehicle may qualify as underinsured under 75 Pa.C.S. § 1702 when the available liability insurance or self-insurance is insufficient to cover the losses and damages resulting from the crash. When an uninsured/underinsured driver causes a car accident, those records help show what remains unpaid and support the amount you pursue through available coverage in Allentown. We can compare the other driver’s limits with your documented losses and review your policy for additional protection.
Some policies cover more than one vehicle, which may raise questions about whether you may combine UM or UIM limits. Under 75 Pa. C.S. § 1738, you may stack uninsured and underinsured limits in certain circumstances unless the named insured has waived stacked coverage in writing.
A stacking waiver can make a significant difference when one policy limit does not fully address the harm a crash causes. We could review the complete policy and any waivers rather than relying only on the amount an insurance card shows. That review may be especially important when an uninsured or underinsured driver is responsible for the vehicle wreck, and you must identify additional coverage for the losses you suffered in Allentown. If the insurer disputes coverage, we may address the issue using the policy language and supporting records.
A careful review of the available insurance can reveal options beyond the at-fault driver’s liability policy. Coverage may depend on how the insurer wrote the policy and whether you waived certain protections. Those issues can be especially important in uninsured/underinsured car accidents in Allentown, where your policy may become a source of recovery.
Our attorneys could examine the coverage in place and determine how it applies to the losses you have documented. We could then explain the remaining options for pursuing compensation. Contact our team at Soloff & Zervanos, P.C. to discuss your legal options.
