Pennsylvania Uninsured/Underinsured Motorist (UM/UIM) Claims - Luxenberg Garbett Kelly & George P.C.
Notas del episodio
From Luxenberg Garbett Kelly & George P.C. - Pennsylvania Uninsured/Underinsured Motorist (UM/UIM) Claims examines what happens when a crash leaves someone facing mounting medical bills and lost wages because the at-fault driver lacks insurance or carries only Pennsylvania's minimum liability coverage. The discussion covers how uninsured and underinsured motorist coverage pays the difference between the at-fault driver's limits and the true value of an injury claim, and explains that pursuing this type of claim involves seeking compensation directly from one's own insurance company and enforcing a contract against the carrier.
The conversation walks through the distinctions between uninsured motorist coverage, which applies when an at-fault driver has no bodily injury liability insurance, and underinsured motorist coverage, which applies when that driver's insurance is insufficient to cover the full extent of the losses. It also addresses how stacked and unstacked policies affect payouts, the notice deadlines that apply after a hit-and-run or phantom vehicle incident, and the common mistakes that can compromise a claim, such as settling with the at-fault driver before obtaining the underinsured motorist carrier's written consent.
Listeners will also hear about the process of filing a claim, including gathering policy documents, documenting injuries and losses, and pursuing arbitration or litigation when a carrier denies a claim or offers an inadequate settlement. The episode touches on the filing deadlines involved, including the two-year statute of limitations for claims against a negligent driver and the four-year statute of limitations for contract claims against an insurer.
Lawrence M. Kelly of Luxenberg Garbett Kelly & George P.C. helps lead the firm's work on these first-party disputes, applying decades of combined personal injury litigation experience to hold carriers accountable to their written contracts. Listeners seeking a free consultation about a Pennsylvania UM/UIM claim can call Luxenberg Garbett Kelly & George P.C. at (724) 658-8535.
Luxenberg Garbett Kelly & George P.C.
315 N Mercer St, New Castle, PA 16101
(724) 658-8535