According to the Insurance Research Council, approximately 10 percent of drivers in Pennsylvania and New Jersey are uninsured. Because there are so many uninsured drivers on the road, many of us purchase uninsured motorist coverage (also known as UM coverage) with our automobile insurance policies. In some states this coverage is mandatory. Uninsured motorist coverage provides benefits when the person at fault in an automobile accident has no insurance. Also called uninsured motorist insurance or UM insurance, these policies may pay for medical bills, lost wages, pain and suffering and other losses arising out of an accident in which an uninsured driver is at fault. In some states, like Pennsylvania, you have the option to “stack” uninsured motorist coverage. Stacking UM insurance means that you multiply the amount of coverage you have by the number of vehicles insured on your policy. The option to stack UM insurance must be purchased in advance.

As drivers, we pay our UM premiums with the expectation that we will be protected in the event of an accident. Unfortunately, some insurance companies do not keep their end of the bargain. When an insurer wrongfully refuses to pay benefits, offers only reduced benefits or delays payment of benefits, this is known as bad faith. Given states’ varying standards for UM coverage and insurers’ efforts to deny or minimize UM payouts, you need an experienced trial lawyer on your side. Our dedicated insurance attorneys can help you secure all of the compensation to which you may be entitled. Your insurance company is obligated to honor your insurance contract; when the insurer fails to do that, we can help.

At Feldman Shepherd, we are committed to helping our clients throughout Pennsylvania and New Jersey obtain the best possible recovery as expeditiously as possible. We are here to serve you with hard work, attention to detail and a caring approach tailored to your individual needs. If we may be of assistance to you, please do not hesitate to contact us today.

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