PENNSYLVANIA UNINSURED MOTORIST LAWYER
Content Legally Reviewed & Approved
This page has been written and edited by a team of experienced legal writers. This page was approved by Managing Partner, Michael Saile who has more than 20 years of legal experience as a personal injury attorney.
Pennsylvania law requires all drivers to have car insurance, but some drivers forgo this important coverage. If you are involved in an accident with an uninsured motorist, you can be left in a difficult situation, with mounting medical bills and painful injuries. That’s where our Pennsylvania uninsured motorist accident lawyers come in.
If you or someone you love has been injured in an accident with an uninsured motorist, Cordisco & Saile LLC can help you navigate your legal options and pursue compensation. People come first at our law firm, and you’ll notice the difference from the moment you contact us.
Navigate This Page
- Why Hire Our Pennsylvania Uninsured Motorist Attorneys
- Our Reviews Speak for Themselves
- What Damages Are Available for Uninsured Motorist Claims?
- Proving Fault After an Uninsured Motorist Accident
- Pennsylvania Car Insurance Requirements
- How Long Does It Take to Settle an Underinsured Motorist Claim in Pennsylvania?
- How Long Do I Have to File a Claim Against the Uninsured Driver?
- Don’t Wait, Get Help With Your Uninsured Motorist Accident Case Today
Why Hire Our Pennsylvania Uninsured Motorist Attorneys
Even though insurance might cover an uninsured motorist accident, the insurance company will likely refuse to offer the full amount you’re owed. Insurers are motivated to protect their bottom line. Therefore, you’re likely entitled to more money than the insurance company initially offers, and extensive negotiations may be necessary to get what you deserve.
When you turn to Cordisco & Saile after an accident with an uninsured motorist, we’ll explain your insurance coverage and handle all interactions with the insurance company. Our Pennsylvania uninsured motorist attorneys will identify all the applicable insurance coverage, investigate, and gather strong evidence for the at-fault driver’s liability and the extent of your damages. We’ll then present that evidence to the insurance company and demand a fair settlement.
For over 30 years, our nationally recognized team of personal injury attorneys has advocated for Pennsylvanians, recovering over $100 million for our clients. We know the local court system in Bucks County and beyond, and we’re ready to put our experience to work for you.
Our Reviews Speak for Themselves
At Cordisco & Saile, we’ve achieved results for countless accident victims just like you. Our attorneys have over 400 five-star reviews from satisfied clients throughout Pennsylvania, including the following testimonials:
What Damages Are Available for Uninsured Motorist Claims?
The damages you can receive for an uninsured motorist claim in Pennsylvania depend on the type of insurance coverage you use. Since Pennsylvania is a no-fault state, you must submit a claim with your insurance carrier for benefits, regardless of who caused the collision. You can receive compensation up to the limits of your personal injury protection, or PIP, benefits for your medical expenses. If you have income loss coverage, you can also receive compensation for lost wages.
Your uninsured motorist coverage will kick in if your damages exceed the policy limit and the uninsured driver is at fault for the accident. Uninsured motorist coverage pays for a broader range of damages than PIP, including medical expenses, lost wages, and pain and suffering.
Each uninsured motorist claim is unique, and results vary based on the circumstances. However, our attorneys can maximize how much you can get from an uninsured motorist claim.
Here are a few examples of high-value motor vehicle accident settlements we’ve achieved for our clients:
- $10 million for a first responder injured in a truck collision
- $2.47 million for a man injured by an armored car
- $1.37 million for a Bucks County car accident victim
- $1.17 million for a couple injured by a drunk driver
Proving Fault After an Uninsured Motorist Accident
PIP coverage doesn’t require you to prove fault. However, you’ll need to prove the uninsured driver’s negligence caused your injuries if you want to use your uninsured motorist coverage. Our attorneys can investigate the accident and gather strong evidence to prove the uninsured driver’s fault, including:
- Police reports
- Witness testimony
- Expert opinions
- Surveillance and dashcam footage
- Electronic data, such as phone records
We’ll also prove that the other driver’s negligence directly caused your injuries. Our Pennsylvania car accident lawyers will make a compelling case for the accident’s impact on your life and why you deserve full compensation for your damages.
"When someone chooses Cordisco & Sale to represent them, they've made one of the best choices of their life in a terrible time. They're going to get empathy, they're gonna get communication, they're gonna get knowledge, and they're gonna get informed throughout every step of the way. What they're also gonna know and learn is what's hurting them, the impact on their life, and how every day they go through this pain and suffering that we're here fighting for them."
Pennsylvania Car Insurance Requirements
Under Pennsylvania law, drivers must carry the following minimum car insurance coverage:
- Bodily Injury Liability: $15,000 per person, $30,000 per accident
- Property Damage Liability: $5,000
- Medical Benefits, or PIP: $5,000
Most insurance companies in Pennsylvania offer optional coverage options such as uninsured and underinsured motorist coverage, collision coverage, comprehensive coverage, and accidental death benefits. Our uninsured motorist accident lawyers in Pennsylvania have a deep understanding of these various types of insurance coverage. We can advocate for the maximum compensation available under your specific policy and investigate other potential sources of financial recovery.
What If I Don’t Have Uninsured Motorist Coverage?
If you don’t have uninsured motorist coverage, you’ll still receive some compensation through your mandatory PIP coverage. However, your damages may significantly exceed your PIP policy limits. In that case, you may pursue a direct lawsuit against the at-fault driver. Your health insurance may also cover some of your medical expenses.
How Long Does It Take to Settle an Underinsured Motorist Claim in Pennsylvania?
There’s no set timeline for settling an uninsured motorist accident claim in Pennsylvania. However, these claims can take longer than other types of car accident claims. Resolving such claims can take several months to more than a year.
You must first exhaust all other forms of insurance coverage to receive uninsured or underinsured motorist compensation in Pennsylvania. You may only use your uninsured motorist coverage after you’ve exhausted your PIP and any applicable liability coverage. Thus, it can take longer to resolve an uninsured motorist accident case. Insurance companies often drag these claims out in the hopes that you’ll settle for a lower amount, but we add pressure to reach a fair resolution as soon as possible.
"One of the biggest questions we always get asked is what's going on with my case? Why's it taken so long? Well, in some of these situations and most of them, it's not us, it's not you, it's them, the insurance company. The insurance company is designed to drag their feet and to prolong the entire process. But why has it taken so long? Well, the majority of these insurance companies have about 10 to 15 to 30 individuals that are looking at a particular region's case. Those caseloads could get up to the hundreds, sometimes even more, and now they can't just look at these cases, they have to look at the documentation that we provide the medical records, and they're not just handed over the money. They're fighting tooth and nail to make sure that they can slow the process and delay you getting paid."
Serving Clients Across Pennsylvania
How Long Do I Have to File a Claim Against the Uninsured Driver?
You must file a lawsuit against an uninsured driver within Pennsylvania’s statute of limitations, which is usually two years from the accident date. However, an uninsured motorist claim under your own coverage is different. Pennsylvania law treats uninsured motorist claims as contract claims, which must be filed within four years of the breach of contract. In the case of an uninsured claim, that clock generally begins to tick when the insurer refuses to pay the claim.
You may lose your right to seek compensation if you miss this deadline, so act quickly. When you come to us, we’ll start building your case right away to avoid missing the statute of limitations.
Don’t Wait, Get Help With Your Uninsured Motorist Accident Case Today
If you or a loved one was hit by an uninsured driver, Cordisco & Saile is ready to fight for you. Insurance companies know our clients mean business when they come to us, and that makes all the difference when facing a complex uninsured motorist claim.
Contact us today or call at 215-642-2335 for a free consultation about your rights and options.
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Our Attorneys
Real Stories. Real Results.
“I was in a serious accident in 2021. My injuries were new however they mimicked some of the injuries I received in a 2017 accident. After treating with 2 doctors, both who stated my injuries were permanent, I was recommended to Cordisco & Saile. My attorney, Steven DeBonis, was wonderful. He listened and guided me through the process. He worked endlessly to ensure I received a proper settlement. I am so grateful for his effort and kindness. I would highly recommend him to anyone who needed someone to fight for them. The staff was friendly, informative and helpful. They are the best legal team around. Thank you for all you have done.”
I had a slip and fall on Saturday, December 21, 2024. I waited a few days before calling Barbara’s firm and when I decided to reach out, I left a message late at night on the 23rd. First thing Christmas Eve day, Barbara calls me to let me know. She received the message and wanted to chat about my fall. She was extremely professional, detailed the process, and what they would look for in terms of backup documentation, but also instilled a sense of safety and security because she was kind, compassionate and empathetic. She gave the distinct impression that my case would be well researched thoroughly but also be done ethically without having me jump through a whole lot of extra hoops. Five stars, would highly recommend.”
“I had a car accident in January 2019. I called Cordisco and Saile. Michael Saile Jr. worked with me along with his associate Steve, and para legal Michele. They treated me with kindness and respect. I had injuries to my neck and spine. I went through months of physical therapy. The person who t- boned my car had no license, registration or insurance, therefore Mr. Saile had to put together a lawsuit against my own insurance company. I had limited tort insurance but Mr. Saile and his people fought to get me the most money that I was entitled to from my insurance company. It took four years due to the pandemic but they kept at it until they reached the maximum. I cannot thank them enough. Everyone in their office worked very hard for me. I would highly recommend this firm to anyone who has had an accident, or any legal work.”
We’re here to listen, help you understand your legal options, and support you during this difficult time. Remember, there is never any cost or obligation when you call our team to learn about your options.
What to expect when you submit the form:
- You will receive confirmation that your form has been submitted.
- A legal professional will reach out to you during your preferred time within 24 hours.
- We will send you information about our law firm and the process of filing a lawsuit.
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Average Settlement for Car Accident Back and Neck Injury
The average settlement for a back or neck injury suffered in a car accident is about $73,000, however compensation could vary depending on the facts of your case.
Whose Insurance Pays After a Car Accident?
Generally, in a no-fault state like Pennsylvania, each party must first turn to their own insurance policy for coverage of medical bills and lost wages.
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