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Uninsured and Underinsured Motorist Coverage: Protecting Yourself When the Other Driver Can't

If you've ever purchased car insurance in Pennsylvania, you've likely encountered a choice that most drivers don't fully understand until after they've been in an accident: full tort or limited tort coverage. This decision, made when you set up your auto insurance policy, can have a major impact on your ability to recover compensation after a car accident — sometimes limiting your rights in ways you never anticipated.

The moments after a car accident are chaotic. Your adrenaline is running high, you may be injured, and you're expected to make a series of decisions that can affect your health, your finances, and your legal rights — often within minutes of the crash. Knowing what to do (and what to avoid) before you're ever in this situation can make a real difference in your recovery and your case.