Cordisco & Saile is a supporter of the Local 19 Sheet Metal Union in Philadelphia. We are the longtime approved partner for legal matters by Local 19 leadership and we strive to be your resource for important legal news and representation should you ever need it.
You may have heard about the woes that follow getting hit by someone that is uninsured or underinsured, but do you know everything you should know to ensure that you are covered? Cordisco & Saile has had a great relationship with the Local 19 Sheet Metal Workers Union in Philadelphia for a long time, and our mission here is to be your open-source for important legal information that may affect you.
Traffic accidents can happen to anyone, including Philadelphia sheet metal workers. Despite your best intentions and careful driving practices, you may find yourself in the midst of an auto accident caused by a reckless driver.
There’s nothing as bad as having to foot huge costs of medical bills and car repairs just because of another driver’s fault. Things can get even worse if the driver responsible for the accident is uninsured or doesn’t have enough insurance to cater for your losses.
There are many drivers plying Philadelphia roads today who don’t have auto insurance. Statistics show that the number of uninsured drivers nationally has been on a steady increase since the economic downturn of 2008.
Fortunately, you can protect yourself from the costs of an auto accident caused by a driver without insurance using the Uninsured and Underinsured Motorist Coverage, also known in short as (UM).
UM Insurance Cover
Uninsured Motorist Coverage is a type of auto insurance policy that helps you to pay car repair and medical bills if you are involved in a car accident caused by a driver who doesn’t have any car insurance cover.
If you are in an accident in which the other driver is found to be at fault, his or her car insurance coverage will help to pay for the treatment of your injuries and car repairs. If the driver at-fault does not have an auto insurance cover, you could end up paying for the recovery and auto repair costs from your pocket.
This is why you need UM Insurance coverage.
What Does UM Insurance Typically Cover?
Uninsured Motorist insurance coverage provides two types of protection namely:
- Uninsured Motorist Bodily Injury Coverage (UMBI) which helps to pay your medical bills. The protection may extend to your family member or passenger in some states.
- Uninsured Motorist Property Damage Coverage (UMPD) which helps to pay for car repairs and property damages caused by a driver who doesn’t have auto insurance.
Underinsured Motorist Coverage
This is an auto insurance policy that extends coverage to bodily injuries and property damage caused by a motorist whose auto insurance is not sufficient to pay for all the damages you have incurred from the accident.
The underinsured motorist coverage is designed to provide you with compensation above the limit of the at-fault driver’s policy. The insurance cover provides only one type of protection, which is to pay your medical bills after your car is hit by the underinsured driver.
Full Tort and Limited Tort Auto Insurance
In the United States, there are laws that regulate your responsibility if you are responsible for an auto accident. Your financial responsibility in an accident depends on whether you reside in an at-fault or no-fault state. If you are in an at-fault state, you’ll end up paying more for an accident that you have caused than a person in a no-fault state.
According to the tort system, the driver found liable for an accident that carries the responsibility of paying for the victim’s medical bills, property damages, car repairs, lost wages, and even the pain and suffering he or she went through after the accident. The tort system ensures that the victim gets full compensation after an accident caused by another driver.
States that have a tort system provide either limited or full tort auto insurance options. The full tort option gives you the ability to sue for compensation without limitation if you are not responsible for the accident. You can sue the driver at-fault for all the damages and suffering you have incurred after the accident.
A limited tort, just like the name suggests, places a limit on the amount of compensation you can seek from the driver responsible for the accident. You can only sue for personal injury and property damage. A full tort cover gives you the best protection.
Getting the Best Possible Compensation after an Accident
You may not have insurance that covers under and uninsured accidents, but you are entitled to compensation regardless should you be injured in an accident.
At Cordisco & Saile, LLC, we help Local 19 Sheet Metal Workers in Philadelphia get the best results in all types of car accident claims.
We will help you piece everything together to build a strong case and ensure that you get the maximum possible compensation for your losses. If you are a Philadelphia sheet metal worker and a member of the Local 19 Sheet metal Workers Union in need of legal assistance, contact us today for a free initial consultation.