What if the at-fault driver is uninsured or underinsured?

If you are involved in a bicycle accident in Pennsylvania caused by an uninsured or underinsured driver, then you may have difficulty getting your damages paid. In Pennsylvania, the law requires most drivers to carry some form of automobile insurance in order to protect themselves from being financially responsible for the damages resulting from an accident they cause. If the at-fault driver in your bicycle accident does not have any insurance, then you may be able to file a claim against your own uninsured motorist insurance policy, if you have one. This policy provides coverage in the event the at-fault driver in an accident does not have insurance. If you are not covered under your own policy, or if the at-fault driver is underinsured, meaning they do not have enough insurance to cover the cost of your damages, then you may have to pursue a claim against the driver directly. You may be able to negotiate a settlement with the driver or seek a court-ordered judgment. However, if the driver does not have the assets or financial means to reimburse you, then you may be unable to recover your damages. It is important to speak with a qualified Pennsylvania attorney if you are involved in a bicycle accident with an uninsured or underinsured driver in order to understand your legal rights and options. An experienced bicycle accident lawyer can advise you of your legal rights and help you pursue the appropriate legal action to get the compensation you need.

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What if the at-fault driver is uninsured or underinsured?

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