UNINSURED MOTORIST FAQs
Pennsylvania Uninsured Motorist (UM) Attorney links
Why is it important to hire a Pennsylvania uninsured motorist attorney?
- The UM insurance adjuster is paid to do 2 things: settle your PA uninsured motorist claim as soon as possible and, for the LEAST settlement amount.
- Isn’t it critical for you to have an experienced Pennsylvania uninsured motorist lawyer aggressively representing you?
Why should I consider hiring Attorney Newell to act as my PA uninsured motorist lawyer?
- EXPERIENCE : He has been representing Pennsylvania car accident victims since 1981
- EXCLUSIVITY : Attorney Newell does NOT represent insurance companies because all of his clients are personal injury victims
- SERVICE : Visit CLIENT REVIEWS to see how over 50 of his clients describe his dedication to personal service.
How much is my Pennsylvania uninsured motorist claim worth?
- A defense adjuster may use these factors when negotiating a UM claim:
- The personal injury experience of your PA UM lawyer
- Proof of objective injuries in your medical records – such as surgeries, broken bones, herniated discs and stitches
- Length of medical care
- Work disability
- Whether your auto insurance company believes your UM attorney will demand an arbitration hearing if they don’t make a fair settlement offer.
How soon after I was struck by a hit & run driver should I hire my PA uninsured motorist attorney?
- The earlier you hire a UM lawyer, the sooner he/she can:
- obtain the Police Report and property damage documents necessary to prove your UM claim
- contact your insurance company’s uninsured motorist claim adjuster
- guide you to obtain the necessary medical care for your injuries.
Please CONTACT ME to have a Pennsylvania uninsured motorist claim attorney with over 30 years of experience review your PA uninsured motorist claim.
What is a PA uninsured motorist claim?
- Pennsylvania uninsured motorist insurance is an optional automobile insurance coverage that applies if you are injured due to the negligence of a driver of an uninsured motor vehicle or an unidentified driver as in a hit and run case.
Against whom am I making the Pennsylvania uninsured motorist claim?
- You are making a PA UM claim against your own auto insurance company under the terms of your contract with them.
- The wording of your contract determines whether the UM case is litigated in front of a jury or an arbitration panel made up of 3 Pennsylvania attorneys.
A phantom vehicle came into my lane. I avoided him by turning to the right. I crashed into a ditch, he fled the scene and there was no actual contact between our vehicles. Do I have a UM claim?
- Yes. Even though there was no contact, the phantom driver caused your accident.
- It is necessary that you immediately report the incident to the local police and your automobile insurance company.
- Your Pennsylvania uninsured motorist attorney will make sure all the necessary insurance documents are obtained and/or completed.
Please visit UNINSURED MOTORIST SETTLEMENT for case settlements and verdicts in Pennsylvania car crashes where the injured victim makes a claim for PA uninsured motorist benefits from their own car insurance company.
I was rear-ended by an uninsured motor vehicle on Rt. 309 near Quakertown, PA. If I make a Pennsylvania uninsured motorist claim against my insurance company, will my insurance rates go up?
- No. Your car insurance company can’t raise your insurance premium. They are not making a PA uninsured motorist payment due to any negligence on your part – the car crash was the total fault of the uninsured driver.
- His insurance company would initially be responsible to make a payment for your Pennsylvania uninsured motorist claim. If your injuries are worth more than his uninsured motorist policy limit, then your PA uninsured motorist lawyer would be able to make an additional PA uninsured motorist claim against your own insurance company.
I live in Easton, PA. Can I buy PA uninsured motorist coverage limits higher than the bodily injury liability limits for my automobile?
- No. The maximum coverage for Pennsylvania uninsured motorist protection would be equal to your bodily injury liability coverage for situations when you might injure others.
Are there situations when a car insurance carrier can properly deny a Pennsylvania uninsured motorist claim?
- In some fact situations, the Pennsylvania Supreme and Superior Courts have upheld a denial of a PA uninsured motorist claim due to a “regularly used, non-owned vehicle” exclusion.
- Your Pennsylvania uninsured motorist lawyer must be constantly reviewing PA law and the latest judicial opinions to accurately evaluate your UM claim.
Our insurance company says my son can not make an uninsured motorist claim because of a “household exclusion.” Are they right?
- There are some circumstances where Pennsylvania’s judges have denied a UM claim because of a household exclusion.
- There are other fact/legal situations where our judges have dismissed the insurance carrier’s claim and permitted the UM case to move forward.
- Hiring an experienced Pennsylvania uninsured motorist attorney who stays current on PA UM law is a necessity if you want to win your fight against your insurance company.
Please go to CLIENT REVIEWS to obtain information regarding the experiences of over 50 of Attorney Newell’s former PA personal injury clients.
I was hit by an uninsured motorist on Rt. 313 near Perkasie, PA. Who pays for my medical bills?
- If you own a car, your car insurance company pays your medical bills no matter who is at fault for the UM crash.
If my auto insurance company pays my medical bills after a collision with an uninsured motorist in the Lehigh Valley, will my car insurance rates go up?
- No. Pennsylvania is a “no-fault” state.
- Pennsylvania law prohibits an insurance company from raising your rates if they make a “first-party benefit” payment on your behalf – such as for medical bills.
I was a passenger in a friend’s automobile when we were struck by a hit & run driver on Rt. 209 in Lehighton PA. Whose insurance company pays for my medical bills?
- Pennsylvania law requires your own car insurance company to pay for your medical bills after a PA car accident no matter whose car you were in at the time of the crash.
Please visit HOME for information concerning Attorney Newell’s experience and qualifications to represent Pennsylvania uninsured motorist claimants.
I was run off the road by a hit and run driver on Rt. 22 by Allentown, PA. Do I have a PA uninsured motorist claim for my injuries?
- If you paid for Pennsylvania uninsured motorist coverage, the answer would be yes as long as you promptly reported the auto accident to both the local police and your automobile insurance company.
A golf cart darted out onto the road from a golf course in Bethlehem, PA causing an accident with my wife. Can she make a Pennsylvania uninsured motorist claim against our automobile insurance company?
- Attorney Newell represented a Stroudsburg area uninsured motorist victim who was also injured in an accident with a golf cart. He won the PA uninsured motorist case by successfully arguing that the golf cart was both unregistered and uninsured.
My son was an ATV passenger riding on a public road when the driver lost control and crashed. Do we have a PA uninsured motorist claim?
- It is likely that your insurance contract has an exclusion for UM claims for off-road vehicle occupants.
- However, the uninsured motorist contract language should be reviewed by an experienced Pennsylvania UM attorney as any ambiguities in the contract must be interpreted in your favor.
My car insurance company says that I cannot make a PA uninsured motorist claim after a car crash on Rt. 202 in Doylestown, PA because of a form I signed. Can you help?
- Insurance companies make mistakes! Sometimes they deny a Pennsylvania uninsured motorist case when their waiver forms do not meet the technical requirements of PA Law. An experienced Pennsylvania uninsured motorist claim lawyer knows the exact language the documents must contain so the insurance carrier cannot wrongfully deny your UM claim.
Please see Why Attorney Newell for more details regarding his qualifications to serve as your Pennsylvania uninsured motorist lawyer.
I was hit by an uninsured motorist on Route 611 by Stroudsburg PA. If we can’t settle my case, how do we litigate my UM claim?
- In 2005, the Pennsylvania Supreme Court issued the Koken Decision which stated that insurance companies were not required to include mandatory arbitration clauses for their uninsured & underinsured option coverages.
- Your Pennsylvania uninsured motorist lawyer will need to carefully review your car insurance policy language to see if private arbitration or Court of Common Pleas litigation applies to your UM case.
What is the process for a PA uninsured motorist Arbitration Hearing?
- Your uninsured motorist attorney and your insurance company will each select a lawyer to serve on the uninsured motorist Arbitration Panel.
- Those 2 lawyers will then select a neutral arbitrator who will serve as the Chairman of the Arbitration Panel.
- The 3 attorneys will then hear the evidence provided by your PA uninsured motorist lawyer and the UM insurance carrier.
- They will then enter a damage award which can not exceed the limits of your uninsured motorist coverage.
I was struck by a hit and run driver on Route 309 in Montgomery County PA. Does my limited tort selection on my car insurance policy apply to my uninsured motorist claim?
- Yes. The victim’s choice of limited tort or full tort applies to all individuals making Pennsylvania uninsured motorist claims.
I was a passenger in a family car when we were hit by an uninsured motorist on Rt. 611. Our family has 2 automobile insurance policies – one is full tort and the other is limited tort. Which tort option applies to me?
- Various factors need to be analyzed and then applied to PA law and your automobile insurance contract before a conclusion can be made regarding the tort option that applies to your PA uninsured motorist claim.
- Isn’t your UM claim important enough to have it reviewed by a personal injury attorney with over 30 years of experience?
Can you explain, what is uninsured motorist stacking?
- Simply put, if you have 3 cars insured on your auto policy and you’re hit by an uninsured driver, the stacking option would allow you to multiply your uninsured motorist coverage by 3.
- So, if you had paid for stacking and had $15,000.00 of UM coverage per car, your total uninsured motorist coverage would be $45,000.00.
Will Attorney Newell come to my home to meet with me regarding my Pennsylvania uninsured motorist claim?
- UM claim victims in the Lehigh Valley, Poconos, Bucks County PA and Montgomery County PA have relied upon Attorney Newell to aggressively represent them for their personal injury claim.
- Whether you live in Bethlehem or Easton, Stroudsburg or Bushkill, Lehighton or Allentown, Quakertown or Perkasie, Doylestown or Lansdale – Attorney Newell will provide you with a free HOME consultation for your PA uninsured motorist claim – no matter where you live in Eastern Pennsylvania.
A car crash on Rt. 309 near Lansdale, PA was caused by an uninsured motorist. When should I hire an experienced PA uninsured motorist lawyer?
- As soon as possible. Your Pennsylvania uninsured motorist attorney will want to promptly obtain evidence to prove that the other vehicle caused the crash and was uninsured.
Please see UNDERINSURED MOTORIST RESULTS for case verdicts & settlements in PA car accidents where the personal injury victim makes a claim for Pennsylvania underinsured motorist benefits against their own insurance carrier.
Attorney Thomas Newell provides the content of this website for informational purposes only. Nothing provided in this website should be interpreted as being legal advice. The laws regarding Pennsylvania uninsured motorist claims are constantly evolving and changing. You are strongly advised to hire an uninsured motorist claim lawyer licensed to practice law in the Commonwealth of Pennsylvania.
PA Uninsured Motorist Claim
Issues & News
Luzerne County Hit & Run Driver Gets Jail Time
On June 10, 2013, a Luzerne County driver who fled the scene of a fatal accident, was sentenced to a prison term of 6-1/2 to 25 years. The Luzerne County Judge ordered such a lengthy sentence due to the fact that the defendant killed 2 occupants of a motorcycle and then left the scene of the fatal crash without rendering aid or waiting for the police.
Bethlehem Police Hunt for Hit & Run Driver
On May 14, 2013, at 2:50 p.m., a driver of a tan pick-up truck was involved in hit and run crash at the intersection of Center and Market Streets in Bethlehem. Bethlehem Police say that the driver fled south on Market Street after the crash. The pick-up truck had damage on the driver’s side rear quarter panel. Anyone with information on the hit and run driver can call police at 610-865-7187.
Bucks County Woman Charged in Hit and Run
A May 20, 2012 article from phillyburbs.com described a Bucks County PA hit & run accident which resulted in criminal charges for a Trevose driver. The woman was attempting to make a left turn onto Second Street Pike when she hit a Hyundai Elantra. The driver fled the scene of the hit and run crash, but later surrendered to Upper Southampton Police.
Montgomery County PA Hit & Run Defendant Gets Jail Time
On April 15, 2011, a Montgomery County PA judge sentenced a hit and run driver to 1 year in jail after the death of a pedestrian. As reported in dailyjournal.net, the PA hit & run driver had pled guilty to fleeing the scene of an accident involving death or personal injury. The driver had hit a pedestrian who had just left Plymouth-Whitemarsh High School after celebrating the school’s state basketball championship win.
Pike County Hit & Run Under Investigation
A Feb. 25 2011 hit and run on Route 309 near Fairview Lake in Pike County is being investigated by the Blooming Grove Pennsylvania State Police Barracks. According to the Wayne Independent, a Chevrolet Silverado crashed into a PP&L telephone pole and then fled the scene of the Pike County accident. PA State Police believe there is considerable damage to the front end of the automobile.
Hit & Run Driver Strikes Pottstown Fire Station
On Jan. 3, 2011, a hit and run driver crashed his Grand Am into a Pottstown PA fire station and then fled the scene of the crash. As reported on wfmz.com, some firefighters were relaxing in their station when they heard a loud bang. When they investigated, they discovered that a car had slammed into one of the garage doors. The hit & run driver had fled the accident scene by the time the firefighters arrived at the front of the station.
Lehigh County Hit & Run Accident Results in Charges
On Dec. 21, 2010, a Lancaster County driver was charged with a hit & run offense and a DUI as the result of a Dec. 20th crash on Cedar Crest Boulevard. As described in The Morning Call, the alleged drunk driver crossed into oncoming traffic, struck 2 vehicles and then fled the scene. Area police were able to apprehend the hit and run driver after his car became disabled.
Hit & Run Motorist Sought in Tobyhanna PA
On Sept. 4, 2010 a hit and run driver struck ornamental lighting at a home in A Pocono Country Place in Tobyhanna PA. According to the Pocono Record, the driver crashed into a tree, then fled the scene of the Monroe County PA crash. Silver/gray paint particles were left at the scene. Anyone with information regarding the hit and run driver is urged to call the Pocono Mountain Regional Police at 570-895-2400.
Hit & Run Accident in Tobyhanna PA
On August 4, 2010, a Warminster man was working at a construction zone near A Pocono Country Place when he was struck by a hit and run driver. As described in the Pocono Record, an 80 year-old man from Canadensis will be charged with multiple violations of the Pennsylvania Vehicle Code including careless driving. The Bucks County PA hit and run victim was taken to the Pocono Medical Center in East Stroudsburg for treatment of a possible broken wrist.
Delaware County Driver Pleads Guilty to Hit & Run Charges
On July 2, 2010 a Delaware County driver admitted to striking a bicyclist and fleeing the scene of an accident. According to the Norristown Times Herald, the hit and run victim suffered hearing loss in one ear, as well as fractures in his head and leg, along with facial scars. Evidence was presented which indicated that after the driver fled the crash site, she covered up the property damage to her car.
Arrest After Rt. 422 Hit & Run
On June 1, 2010, Pennsylvania State Police arrested a Royersford PA driver who caused a hit and run accident on Route 422 on Memorial Day. As described in the Pottstown Mercury, the 21 year old driver was westbound on Rt. 422 when he lost control of his motor vehicle and hit guard wires in the center median of Route 422. The crash sent debris into the eastbound lanes of Rt. 422 damaging 2 vehicles. The driver fled the scene but was later apprehended by police.
Montco Hit & Run Arrest After Bethlehem Pike Crash
On May 31, 2010, a Warrington resident fled the scene of a car accident at the intersection of Bethlehem Pike and Pennsylvania Avenue. As described in the Montgomery News, the hit & run operator struck a vehicle in the southbound Bethlehem Pike lane and then fled the scene of the crash. He later crashed at Dager Road and was then apprehended by Upper Dublin police.
Allentown PA Hit & Run Fatality – Prison Sentence
On April 21, 2010, an Allentown PA hit and run accident death resulted in a criminal sentence of 4-1/2 to 10 years in a Pennsylvania state prison. According to WFMZ, the defendant had plead guilty to a charge of involuntary manslaughter as a result of the deadly 2006 crash on Union Blvd. in Lehigh County.
Montgomery County Hit & Run Causes Serious Injuries
A March 19, 2010 hit and run in Lower Gwynedd PA resulted in serious injuries to a Montgomery County pedestrian. There was an argument between 2 groups of students at the Wissahickon High School dance. As one group left the dance and was walking home, a driver of an automobile apparently intentionally ran them down. One pedestrian was hit by the car and dragged 30 feet before he fell to the ground and the auto sped away.
The Montco hit and run victim was treated at Abington Memorial Hospital for fractures to his shoulder, arm and leg. Surgeries were needed which included the installation of rods and plates. Police recovered the hit & run vehicle in Philadelphia and their investigation is ongoing.
Proposed New Law to Increase Penalties for PA Hit & Run Drivers
On March 10, 2010 the Pennsylvania State Senate held a hearing on the ongoing problems with hit and run drivers in Pennsylvania. As noted on philly.com, there are currently 2 bills under consideration to significantly increase jail time for hit & run drivers who seriously injure or kill others: S.B. 522 and S.B. 1177.
Senate Bill 1049 would result in more jail time for hit & run drivers who are driving under the influence of alcohol or drugs at the time of the crash. Currently, the PA Motor Vehicle Code does not punish hit & run drivers who are impaired more than sober drivers.
PA Hit & Run Crashes in 2009
At a March 2010 hearing of the Pennsylvania Senate Transportation Committee, a PA State Police representative testified that his officers investigated 7,345 hit and run accidents in 2009. 454 of those hit & run crashes resulted in death or serious injury. As reported on neastphilly.com, numerous witnesses testified and all requested stronger penalties to decrease Pennsylvania hit and run collisions.