Dedicated Greensburg and Murrysville Uninsured Motorist Claims Attorneys
Fighting for those injured by uninsured and underinsured drivers
Even if the other driver was definitely at fault and your injuries and losses are clearly established, your personal injury case is only worth the amount you can actually collect. That is why, as a practical matter, the availability of insurance coverage is a crucial issue in any auto accident case. And when an at-fault driver has little or no insurance and few assets, it can seriously limit your ability to recover monetary damages for your injuries. Even in such cases, Long & Long, LLC has helped many people in Murrysville and Greensburg get compensation through underinsured and uninsured motorist claims.
What is an underinsured or uninsured motorist claim?
Pennsylvania’s motor vehicle financial responsibility law requires insurers to offer both underinsured (UIM) and uninsured (UM) motorist protection up to the liability limits of the motor vehicle insurance policies they issue. This allows an auto accident attorney in Murrysville or Greensburg to pursue compensation from a client’s own insurance company if they are struck and injured by an uninsured motorist or a driver whose insurance is insufficient to cover the extent of the client’s injuries. The minimum liability coverage required by Pennsylvania law is $15,000; in a tough economy, more and more drivers are minimizing their insurance coverage or dropping it altogether. This makes UM and UIM coverage even more important as the odds of being hit by an underinsured or uninsured motorist continue to rise.
Why Greensburg and Murrysville underinsured accident attorneys can help
Waiving underinsured and uninsured motorist coverage or even reducing the amount of coverage requires specific and affirmative action by the insured motorist. When insurers cannot produce proof these requirements were met, the law implies coverage up to the liability limits of the policy. Moreover, the nature of UM and UIM coverage makes it possible in some circumstances to collect damages under liability policies on cars that were not involved in the accident. A Murrysville car crash lawyer can review your policy information to determine whether:
- You have UM or UIM coverage
- You made a proper waiver
- Coverage is available from other policies
Secondly, most insurance companies treat UM and UIM claims very differently than other first-party claims. During an underinsured or uninsured motorist case, you can expect your insurance company to treat you as an adversary and demand strict proof of every loss. But our Greensburg underinsured and uninsured motorist accident lawyers understand how to deal with insurance companies and how to gather the proof necessary to get prompt payment of our clients’ claims. And when insurance companies are uncooperative, our Murrysville underinsured and uninsured motorist attorneys are ready to take our clients’ cases to arbitration or trial.
Contact us today for a free initial consultation about your car accident claim
Long & Long, LLC accident lawyers have been helping car accident victims in Murrysville and Greensburg get fair compensation for more than 50 years. Call our office today at 855-805-2683 or contact us online to schedule a free consultation to discuss your legal issue. We also host open house office hours twice per week.