We’re all trying to save some money and car insurance is expensive but a necessary evil.

Is it worth it?

I’m covered, right?

Let’s say another driver rear-ends you at a stop sign or T-bones you and causes significant injury. You’re out of work for 6 months and may even need surgery. The other driver is completely at fault. Your medical bills are into 6 figures. Even the other driver admits he is at fault and your injuries are so severe you cannot work at your former job.

But guess what? Pennsylvania requires that driver to have only the most minimal of insurance coverage–$15,000 per person or $30,000 per accident.

So, what does that mean?

It means that unless that other driver has substantial assets, you are out of luck unless you have your own underinsured motorist coverage. If you haven’t been in the hospital recently, $15,000 won’t cover you.

This is not something to skimp on. Protect yourself. It’s dangerous out there.

Call me if you have questions about coverage? I answer these questions every day and would be happy to speak with you.

~Jerry Geiger

ggeiger@newmanwilliams.com

@PoconoAutoLaw

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