Do You Need Insurance Against Underinsured Drivers?

Although you may do everything in your power to abide by Pennsylvania’s auto insurance laws, others may not be so careful. As a result, you may consider the possibility of paying for underinsured motorist insurance.

Richard Zeises Agency, which serves Jenkintown, PA, understands the complexities that come with underinsured drivers. Here’s what you need to know about protecting yourself against these motorists.

What Exactly Is Underinsured Motorist Coverage?

Underinsured motorist coverage ensures that you are protected if somebody who lacks the appropriate liability insurance hits your vehicle. There are several types of coverage you might consider as part of your policy.

Bodily injury coverage is part of underinsured motorist policies, covering things like medical bills. This coverage provides personal injury protection.

Underinsured motorist policies often encompass property damage coverage as well. This coverage protects property damaged by somebody without the appropriate auto insurance.

Pennsylvania Does Not Require Underinsured Driver Insurance

Pennsylvania requires that all drivers have some auto insurance, including $15,000 for injury or death for one person and $30,000 for injuries impacting two or more people. Additionally, each driver is required to carry property damage coverage.

Simply because you are not required to carry this coverage does not mean you should forget about it. If somebody without sufficient coverage causes an accident, your underinsured coverage may prevent you from paying money out of your own pocket.

Contact an Insurance Agent to Learn More

While underinsured motorist coverage is not a necessity in Pennsylvania, it is still a good idea to consider this option. If you have questions about protecting yourself and your property in Jenkintown, PA, check out Richard Zeises Agency for more information.