I was Hit by an Uninsured/Underinsured Driver... Now What?

You've just been hit by a car while riding your bicycle. To make matters worse, the driver had no insurance or not enough insurance to cover your damages. Now what?

The first thing you should do is consult an attorney at PHILLY BIKE LAWYER. Our team is trained to find insurance. There may be another liable party, such as a bar or municipality, that has insurance from which you can collect. 

Our team will also look to see if you are covered by an auto insurance policy, and whether that policy has uninsured/underinsured motorist coverage (UM/UIM). For example, you may be able to collect from a relative's policy if you were living together at the time of the accident. If you were hit by an uninsured driver, the household auto insurance may be obligated to pay the damages. Likewise, the household auto insurance may be obligated to pay a portion of the damages if the driver had inadequate coverage. 

If there is no other insurance, then you may be entitled to collect money from the Commonwealth. The Assigned Claims Plan (the Plan), 75 Pa.C.S. §§ 1751-1757, provides uninsured motorist benefits to residents of the Commonwealth who meet the eligibility requirements of section 1752. The Plan will pay eligible bicyclists up to $15,000 if they were hit by an uninsured vehicle.

If you were involved in a motor vehicle accident, call PHILLY BIKE LAWYER for a free consultation.

Disclosure: This blog post is meant to provide general information only. The information presented in this post should not be construed as formal legal advice nor forming a lawyer/client relationship. Persons accessing this site are encouraged to seek independent counsel for advice regarding their individual legal issues.