A hit-and-run driver is responsible for crashing into two parked vehicles in Southwest Philadelphia, causing both vehicles to burst into flames. The accident occurred at the intersection of 71st Street and Dicks Avenue in the middle of the night – the driver lost control, crashed into the vehicles, and fled the scene of the accident.
Most individuals understand the concept that an at-fault driver's insurance will be responsible for paying for injuries and property damage stemming from a car crash. This method of handling car accident costs is contingent, however, upon knowing the identity of the driver who caused the accident. When the at-fault driver has fled the scene of the accident and cannot be identified or located, these accidents are treated differently by the insurance company.
What to Know About Uninsured Motorist Coverage in Pennsylvania
Although the state of Pennsylvania requires all individuals to carry a minimum level of liability insurance in order to legally operate a vehicle, drivers who are uninsured nevertheless continue to travel the state's roads and highways. Uninsured motorist coverage provides Pennsylvania drivers with a financial remedy if involved in a car accident caused by a driver who was uninsured at the time of the crash. This form of auto insurance covers medical expenses for insured drivers and passengers.
In the state of Pennsylvania, insurance companies are required by law to offer uninsured motorist coverage to every driver who purchases an auto insurance policy. Although an individual is allowed to opt-out of such a policy by signing a rejection form, uninsured motorist coverage is automatically included in an insurance policy. This means that a driver who does not sign a waiver of uninsured motorist insurance coverage is automatically protected by such a policy.
Uninsured Motorist Coverage for Hit-and-Run Drivers
Uninsured motorist coverage can be invaluable in situations involving hit-and-run drivers. When an at-fault driver successfully flees the scene of an accident and there is no way of identifying the driver, an innocent victim's own insurance carrier must bear the cost of bodily injury and property damage resulting from the accident. If a driver or passenger is injured in a hit-and-run accident and has uninsured motorist coverage included in his or her insurance policy, this coverage can pay for bodily injuries caused by the unknown driver.
Involvement in a hit-and-run accident can cause chaos for the victims of the crash. The personal injury attorneys at Gilman & Bedigian, LLC are committed to assisting those who have been injured in car accidents recover the financial compensation to which they are entitled. If you are the victim of a hit-and-run accident, a member of our legal team is just a phone call away, no matter the day or time. To schedule a free consultation to discuss your accident, fill out an online case evaluation form or call (800) 529-6162.