UNDERSTANDING UNINSURED/UNDERINSURED MOTORIST COVERAGE

Uninsured and underinsured motorist coverage is one of the most important, yet often overlooked, parts of a Pennsylvania auto insurance policy. This coverage protects you if you’re in an accident caused by a driver who either doesn’t have insurance (uninsured) or doesn’t have enough insurance to cover your damages (underinsured). With so many drivers on the road who carry only the state minimum or no insurance at all, this coverage ensures that you’re not left paying out of pocket for someone else’s mistake.

In Pennsylvania, uninsured and underinsured motorist coverage can help pay for things like medical bills, lost wages, and even pain and suffering resulting from an accident caused by an uninsured or underinsured driver. This is especially critical in serious accidents where the at-fault driver’s coverage may not come close to covering the full cost of your injuries. Even though it’s optional in Pennsylvania, we strongly recommend adding it to your policy for the added peace of mind and financial protection.

At The Pollick Agency, we believe in building policies that truly protect our clients from life’s unexpected events. We’ll take the time to explain your options and make sure you’re not left vulnerable on the road. If you have questions about uninsured and underinsured motorist coverage or want to review your current policy, contact The Pollick Agency for all of your insurance needs. Call or text us today at 724-480-5324—we’re here to help.