COVERAGE CONFUSION> underinsured and Uninsured Motorist's Coverage

One of the most important yet confusing coverage decisions that one must make in deciding what might be the most beneficial automobile insurance coverage to purchase in Pennsylvania involves the issues of how much underinsured and uninsured motorist coverages should be purchased to protect you and your family. Remember that most importantly, uninsured and underinsured motorists coverages serve to protect you and your family if injured by the carelessness of another driver. These coverages, as their names indicate, come into play when the at-fault driver is uninsured or underinsured such that their liability coverage is not sufficient to compensate you for your full recoverable wage loss, medical expenses, pain and suffering and loss of enjoyment of life's pleasures. Unfortunately, some people drive without insurance coverage in Pennsylvania and others drive with only the minimum required liabilty coverage of $15,000.00 per person, $30,000.00 per accident. Should you become seriously injured as a result of the carelessness of someone uninsured or underinsured with minimal or inadequate limits of liability insurance, your injuries and losses could go uncompensated unless you have first adequately protected yourself through the purchase of substantial uninsured and underinsured motorists coverages. These coverages are relatively inexpensive compared to the cost of liability coverage, and there are ways to balance out the cost of purchasing sufficient liability coverage to protect others with the cost of uninsured and underinsured motorists coverages that you purchase in order to protect yourself. The lack of appropriate uninsured and underinsured motorist coverages can have a very catastrophic and regrettable impact upon your financial welfare and security if you find yourself seriously injured in a car collision and inadequately insured with these types of coverages. Should you wish to discuss your automobile coverage limits with knowledgable and experienced attorneys who have nothing to gain other than your thanks from suggesting that you may not be adequately protected, please feel free to contact Doug Stoehr.