{"id":4201,"date":"2021-03-20T18:29:09","date_gmt":"2021-03-20T22:29:09","guid":{"rendered":"https:\/\/www.plymouthrock.com\/?post_type=product_3&p=4201"},"modified":"2024-12-31T09:07:27","modified_gmt":"2024-12-31T14:07:27","slug":"what-is-uninsured-motorist-coverage-in-pa-plymouth-rock","status":"publish","type":"product_3","link":"https:\/\/www.plymouthrock.com\/insurance\/auto\/pa\/coverage-policy-options\/uninsured-motorist-coverage","title":{"rendered":"What Is Uninsured Motorist Coverage in PA – Plymouth Rock"},"content":{"rendered":"\t\t
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\n\t\t\t\t\t\t\t\t\tInsurance can be confusing, but it doesn\u2019t have to be. It\u2019s important to understand your insurance coverages so you\u2019re able to best protect you and your family on the road. Here\u2019s everything you need to know about uninsured motorist coverage in Pennsylvania.\n

What is an uninsured motorist?<\/h2>\nAn uninsured motorist is one that does not carry auto insurance. Insurance is a requirement for drivers in most states, but this does not mean every driver on the road is following the law. A driver without insurance may not be able to pay for the damages they cause in an accident.\n

\nThat\u2019s where uninsured motorist coverage comes in. This protects you, your family members who live in the same household as you, and passengers if hit by a driver who is operating their vehicle without insurance. It may also pay for injuries sustained in hit-and-run accidents.\n

\nSimilarly, underinsured motorist coverage helps protect you from damages caused by a driver with liability limits that don\u2019t fully cover the injuries you sustained.\n

\nThese coverages do not help pay for damages to your car. Your optional collision coverage<\/a> would help pay for physical damage to your car in this case.\n

Accidents with an uninsured driver<\/h2>\nIf you\u2019ve been involved in any accident, you should exchange information with the other driver. Record their insurance policy number if available, and take down their phone number and license plate number. Call the police and file a police report. Then, contact your auto insurance carrier and open a claim.\n

\nIf you were the victim of a hit-and-run, you probably won\u2019t have much information. Call the police and tell the officer everything you can remember about the accident. Contact your insurance carrier and open a claim.\n

\nThis process can sound intimidating, but we\u2019re here to help. Plymouth Rock makes it easy to file a claim, and we\u2019ll guide you through every step. Our skilled adjusters will review the accident and make sure your claim is settled quickly.\n

How can you protect yourself and your family?<\/h2>\nThe best way to protect yourself and your family from uninsured or underinsured motorists and hit-and-run accidents is to carry both coverages<\/a>.\n

\nIn Pennsylvania, there\u2019s a minimum limit of $15,000 per person and $30,000 per accident for uninsured motorist coverage and underinsured motorist coverage if you choose to carry them. You can always purchase more, up to your bodily injury liability limit for each.\n\n\n\n\n\n
Coverage<\/strong><\/td>\nMinimum Limits<\/strong><\/td>\nMaximum Limits<\/strong><\/td>\n<\/tr>\n
Uninsured motorists<\/td>\n$15,000 per person \/ $30,000 per accident<\/td>\nUp to your bodily injury liability limit<\/td>\n<\/tr>\n
Underinsured motorists<\/td>\n$15,000 per person \/ $30,000 per accident<\/td>\nUp to your bodily injury liability limit<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\nIn Pennsylvania, you can choose to stack your UM coverage and\/or UIM coverage. This multiplies your coverage for UM or UIM by the number of vehicles on your policy. The stacked coverages only apply to you and your family.\n

\nRemember that uninsured motorist coverage does not cover physical damage to your car. If you want to protect your vehicle, collision coverage helps pay for damage sustained from hitting another vehicle or object. It also covers cases like if you return to find that your car had been hit while it was parked.\n

\nStill have questions about car insurance in Pennsylvania<\/a>? We\u2019ll be happy to help. Contact us and one of our friendly insurance specialists will guide you through coverage options.

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Get a fast, easy quote online<\/a>, give us a call at 800-516-9242<\/a> or find a local agent<\/a> to see how much you can save on car insurance.<\/h3>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"author":6,"featured_media":0,"menu_order":0,"template":"","products":[],"state":[],"class_list":["post-4201","product_3","type-product_3","status-publish","hentry"],"acf":[],"yoast_head":"\nUninsured & Underinsured Motorist Coverage In PA<\/title>\n<meta name=\"description\" content=\"Find out what uninsured and underinsured motorist coverage is in PA and what to do if you are in an accident with someone who is not covered\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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