Do you have enough auto insurance? How much auto insurance coverage do you need?
When you are or someone you know is injured or killed in an auto accident, having the right auto insurance policy is just as vital as seeking the assistance of a qualified accident attorney. Why is having the right auto insurance policy so important? Let us explain.
Being proactive and getting the best coverage now can help down the road if, unfortunately, you are injured in an auto accident. Under Pennsylvania law, a person can drive a vehicle lawfully with only $15,000 per person and $30,000 per accident of liability insurance. There are also some drivers currently on our roadways without auto insurance. That means if you have damages above the other driver’s coverage, the only way to receive higher compensation is through your auto insurance policy’s underinsurance provisions. If the other driver is uninsured, your only recovery route is through your uninsured insurance coverage under your policy.
Lepley, Engelman, Yaw, and Wilk strongly encourage you to purchase as much uninsured and underinsured coverage as you can afford. We also recommend that you “stack” your uninsured and underinsured coverages by the number of vehicles within the household and purchase full tort over limited tort. Stacked insurance simply means you can combine coverage limits for multiple vehicles in your household. Underinsurance and uninsured coverage on your own auto policy is the ONLY WAY you can protect you and your family against a driver who may only have minimal coverage or no coverage at all!
With full tort, you can sue for pain and suffering; with limited tort, you may be forfeiting that right. Limited tort will cover repairs to your car and direct out-of-pocket medical expenses. Still, it will not allow you to sue for pain and suffering unless your injuries fall into one of a small group of exceptions.
How We Can Help
Lepley, Engelman, Yaw, and Wilk, LLC urge you to be proactive. Make sure you start with having the best auto insurance policy. If you have questions regarding your coverage, make an appointment with us, and we will review your insurance coverage at no cost. We at Lepley, Engelman, Yaw, and Wilk, LLC have an excellent reputation for getting just compensation for our client’s injuries/damages. However, having the right auto insurance policy is of equal importance. If you come in after an auto accident and do not have the proper coverage, you may not be fully compensated for your injuries. You can increase your auto insurance anytime by calling your insurance agent.
If you are a driver or a passenger who has been in an auto accident, contact us today. We can help. Call us at (800) 422-5396 to schedule a free consultation with one of our experienced personal injury attorneys. We at Lepley, Engelman, Yaw, and Wilk, LLC will walk you through the necessary steps and answer your questions.