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Been in an Automobile Accident? Before You Do Anything, Follow These Essential Steps!

Being in an automobile accident is a miserable experience. No one wants to go through the arduous job of gathering information, making claims, and waiting to be compensated, not to mention enduring the pain and anguish of physical injury, and damage to your vehicle.

What’s the first thing you should do in the event of an accident? Contact Luber Law. Michael Luber is an experienced and respected Pennsylvania personal injury lawyer. The information you learn right away will make a major difference between a smooth resolution of your claim, and a pile of headaches down the road.

The team at Luber Law understands the legal intricacies of motor vehicle accidents, and can tell you right away the two most critical things about your accident:

1. Did the driver who hit you carry sufficient insurance — or any insurance at all?

2. Have YOU checked the box on your insurance form that indicating that you’ve opted in and are adequately protected in the event of an accident with an under-insured driver? You’ll barely notice the minimal addition to premiums, yet it can make the world of difference if and when you need it.

In both cases, the team at Luber Law can protect you right from the start.

It’s estimated that 12.6 percent of drivers — roughly one in eight — is uninsured or underinsured. There are five different types of underinsured/uninsured motorist insurance coverage:

  1. Underinsured motorist bodily injury
  2. Uninsured motorist bodily injury
  3. Underinsured motorist property damage
  4. Uninsured motorist property damage
  5. Underinsured/uninsured motorist bodily injury

Carrying supplemental underinsured and uninsured motorist insurance yourself is your only protection against this kind of disheartening — and potentially costly — scenario. Unlike many other states, low-cost extended coverage to protect you in the event of an accident with an underinsured driver is available in Pennsylvania. As noted, as an insured driver it’s a simple, low-cost addition to the policy you already carry.

Be proactive: Contact Luber Law before you get on the road and have to face the daunting consequences of an accident with a careless, underinsured driver.