Cordisco & Saile has been a longtime supporter of the Roofers Local 30 Union and the approved legal partner by Local 30’s leadership in Philadelphia and we will always fight for justice for you and your loved one. Roofers are on the road a lot too and from jobs and work, but also just getting around day-to-day. Accidents happen when least expected, despite our best efforts to avoid them. You could easily find yourself involved in a car accident caused by another driver’s negligence.
If you are a Philadelphia roofer, you understand how disruptive an auto accident can be to your work schedule, especially when you are driving to your latest roofing job in your work truck. The time and aggravation it causes are very annoying, but the pain and suffering it may cause you from your injury is far worse when you are working a hard job.
Worse still, if the driver responsible for the accident is uninsured or does not have enough insurance to cover your losses, you’ll have to foot the bill from your pocket. Uninsured drivers are not a strange phenomenon on our roads. Statistics show that the number of uninsured and underinsured drivers on American roads has been on a steady increase since the harsh economic downturn that began in 2008.
The good news is that with an Uninsured/Underinsured Motorist Coverage (UM), you can financially protect yourself from the unexpected costs of such accidents. The bad news is that not everyone knows about this coverage and not everyone has it!
What is Uninsured/Underinsured Insurance Coverage?
Uninsured motorist coverage (UM) is an insurance policy that assists you to pay car repair and medical bills after you are involved in a car accident caused by an uninsured driver.
Normally, if the other driver is found to be responsible for the accident, his or her car insurance will pay for your car repair and medical bills. However, if the driver isn’t insured, you’ll have to pay for the expenses out of your pocket. The uninsured motorist coverage helps you to cover for the costs you incur after your car is hit by an uninsured driver.
The underinsured motorist coverage is an insurance policy that helps you pay for expenses if you are involved in an accident caused by an underinsured driver. This type of policy comes in when the driver at fault has a limited insurance policy that cannot cover all your expenses. The exact definition of an underinsured driver varies from state to state.
However, in all states, the underinsured driver already has auto insurance whose liability limits are not enough to cover all your bills after an accident or are equal or less than your motorist coverage limit.
There are several types of uninsured motorist coverage including the following:
- UMBI or Underinsured Motorist Bodily Injury coverage which helps to pay your medical bills if you are involved in an auto accident caused by an uninsured motorist. This type of UM cover applies to victims of hit and run accidents and even reimburses lost wages for the victim.
- UMPD or Uninsured Motorist Property damage coverage that covers your vehicle and any other property damage such as damage to your fence, house, and much more.
- UIM or Underinsured Motorist Protection which helps to compensate for the shortfall due to the underinsured driver’s policy limits.
The Tort System
In states that follow the tort system, the driver at fault for the vehicle collision carries full liability and is therefore required to pay for the victim’s medical bills, car repairs, property damages, lost wages, and even for the pain and suffering the victim has suffered as a result of the accident. If you are not at fault for the accident, you’ll be paid full compensation under the tort system.
The system provides two insurance options namely full tort or limited tort coverage. With a full tort cover, you can sue the driver at fault for full compensation without limitations. In limited tort, you are limited in the amount of compensation you can sue for.
You may not seek compensation for additional damages beyond property damage and personal injury. Your best option is to get a full tort insurance cover.
Helping Philadelphia Roofers Get Maximum Compensation After an Auto Accident
In any scenario, whether the person that hit you has insurance or not, you may sustain injury regardless, and if so you are eligible for compensation for this pain and suffering. If you are a part of Philadelphia Roofers Local 30 Union, Cordisco & Saile law firm has a team of competent and experienced personal injury lawyers ready to help you in the process of suing and getting the best possible compensation after an accident caused by a reckless driver.
We are a leading personal injury and law firm in your local area that will fight hard for you. We will help you piece together a solid airtight claim for maximum compensation.
Contact us today for a free consultation.