Tag: car accident

When we get behind the wheel, we assume that other drivers on the road are following the same safety guidelines, including having the necessary insurance coverage. However, that assumption may be dangerously wrong. Unfortunately, the number of uninsured drivers and underinsured drivers is on the rise, leaving responsible drivers exposed to significant financial risks.

In the unfortunate event of an auto accident, the financial aftermath can be devastating, especially if the at-fault driver is inadequately insured or worse, not insured at all. Understanding how to shield yourself from uninsured drivers is crucial for safeguarding your finances and ensuring peace of mind. Thankfully, there are effective measures to protect yourself from these risks, with one of the most potent being the acquisition of uninsured and underinsured motorist (UM/UIM) coverage.

The Growing Problem: Uninsured Drivers and Underinsured Drivers

The issue of auto accidents involving uninsured and underinsured drivers is a growing concern across the United States. It’s important for all drivers to be aware of this trend and take steps to protect themselves.

Across the United States, the number of uninsured drivers is increasing. According to the Insurance Information Institute, “a 2023 report by the Insurance Research Council found that 14% of motorists, or about one in seven drivers were uninsured.”

Even more troubling – the number of underinsured drivers with insurance but insufficient coverage limits to pay for serious auto accident injuries or damage also continues to rise. According to a 2023 report from the Insurance Research Council, 15.7% of drivers in the U.S. have insufficient coverage. Several factors contribute to this alarming trend, including rising insurance premiums, economic challenges, and lapses in coverage.

Liability Limits Fall Short in Many States

In many states, including Pennsylvania, the liability limits required by law are simply too low to cover all the costs associated with a serious auto accident. According to the Pennsylvania Department of Transportation, all motor vehicles subject to registration must have liability insurance. You are complying if you have liability insurance in PA in the following amounts:

  • $15,000 for injury or death of one person in an accident
  • $30,000 for injury or death of more than one person in an accident
  • $5,000 for damage to the property of another person

Those amounts are deficient by today’s standards, leaving thousands of Pennsylvanians driving without adequate coverage. This can be devastating in the event of a car accident.

Uninsured Motorist (UM) &Underinsured Motorist (UIM) Coverage

Relying on other drivers to carry adequate coverage is insufficient to protect yourself financially. This is where Uninsured Motorist (UM) coverage and Underinsured Motorist (UIM) coverage become essential.

Uninsured Motorist (UM) Coverage protects you in cases where you are hit by a driver who has no insurance at all. This could be a hit-and-run accident or an accident with a driver who neglected to purchase insurance.

Underinsured Motorist (UIM) Coverage comes into play when the at-fault driver has some insurance, but their policy limits are too low to cover the full extent of your losses. For example, if you were involved in an accident where the other driver had the state minimum coverage of $15,000 and your injuries and damages totaled $50,000, UIM coverage would help bridge that gap.

Together, UM and UIM coverage are designed to protect you in situations where the responsible party either has insufficient liability coverage or no coverage at all. These coverages can be a financial lifeline after a serious car accident.

Why Minimum Liability Limits Are Insufficient

It’s important for many drivers to realize that the minimum liability limits mandated by their state may not be sufficient to cover the costs associated with a severe accident. Costs associated with medical expenses, vehicle repairs, lost wages, and pain and suffering can quickly accumulate. If the at-fault driver’s liability coverage is insufficient, these costs may end up on your plate.

Having adequate UM/UIM coverage is not just a precaution, it’s a proactive step towards shielding yourself from these financial risks.

Tips for Checking Your Insurance Policy

Reviewing your auto insurance policy carefully is essential to ensure you’re adequately protected. Here are a few tips for checking your coverage:

  1. Review Your Current Liability Limits: The first step is to examine your existing coverage closely. What are your current liability limits for bodily injury and property damage?
  2. Check for Uninsured and Underinsured Motorist Coverage: While UM/UIM coverage is required in some states, it may be optional in others. If you’re not sure whether you have this coverage, now is the time to check your policy documents. If you don’t have UM/UIM coverage, consider adding it.
  3. Assess Your Coverage Limits: Just like liability coverage, your UM/UIM coverage comes with limits. Evaluate whether your current UM/UIM limits are high enough to protect you in the event of a serious accident.
  4. Consider Additional Coverage: In addition to UM and UIM, you should review your First Party Benefits also known as Personal Injury Protection (PIP) which includes medical benefits, income loss benefits, accidental death benefits, funeral benefits, and provide coverage regardless of fault .

Speak with Your Insurance Agent

Insurance policies can be complex, and it’s easy to overlook important details. That’s why speaking with your insurance agent is an excellent idea to ensure you’re adequately covered. Ask your agent to explain the details of your UM and UIM coverage and inquire about the cost of increasing your coverage limits. Many agents can provide personalized advice based on your driving habits, risk factors, and budget. Ask questions or request a policy review to ensure you’re fully protected.

Shopping Around for Better Rates

If you find that your current insurance policy doesn’t offer adequate UM/UIM coverage or if you’re concerned about the cost, it may be time to shop around for a better rate. The insurance market is competitive, and many companies offer discounts or lower premiums for drivers who bundle policies, have a clean driving record, or take advantage of safety features like anti-theft devices or telematics programs.

Be sure to compare quotes from multiple insurers and review their coverage options to find a policy that offers the protection you need at a price you can afford.

Protect Yourself from Uninsured Drivers

With the rise of uninsured and underinsured drivers, protecting yourself on the road is more important than ever. Minimum liability limits in many states are insufficient to cover the full cost of damages in a serious auto accident, leaving you financially vulnerable if the at-fault driver lacks sufficient coverage.

By purchasing Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage, reviewing your policy, and speaking with your insurance agent, you can ensure you’re adequately protected. Taking the time to assess your coverage now can save you from potentially devastating financial consequences down the road.

Contact Distasio, Kowalski & Yelen if You’ve Been Injured in an Auto Accident

The DKY Auto Accident Firm can ensure you get the best representation and compensation for your injuries in the event of a serious accident. DKY Law’s experienced car and truck accident attorneys are available to meet with you to discuss the best course of action after an auto accident.

 

Michael J. Kowalski, a partner with DKY Law Firm, has been representing individuals and their families in personal injury matters for 30 years. These include cases involving medical malpractice, medical errors, birth injuries, and auto and truck accidents, among others. If you are injured, you want Attorney Kowalski and the DKY Law Firm fighting for you. Contact Attorney Kowalski today

 

Jeffrey A. Yelen, a partner with DKY Law firm, has been representing clients with a broad range of legal issues for over 25 years.  These include cases involving Elder Law, Personal Injury, Medical Malpractice, Workers Compensation, Wills, Trust & Estates and Powers of Attorney and the general practice of law.  If you are injured, you want Attorney Yelen and the DKY Law Firm fighting for you. Contact Attorney Yelen today.

 

37, 461 people were killed in crashes on U.S. roads in 2016. Because most crashes are caused by human error, many see driverless vehicles as a solution to reduce crashes. Automakers and others are rushing to market with vehicles that have autonomous driving capability. Are they doing enough to ensure driverless vehicles are safe? Distasio, Kowalski & Yelen is an injury law firm that focuses on protecting the victims of car accidents and truck crashes. As such, we are hopeful that when properly tested and regulated, driverless vehicles will help to reduce injuries and fatalities as the result of auto accidents. The key is adequate testing and regulation to ensure safety.

Harvard Business Review published a research and computer model conducted by Accenture and the Stevens Institute of Technology. The study indicated that “as many as 23 million fully autonomous vehicles will be traveling U.S. highways by 2035.” Both Tesla and GM introduced new vehicles with self-drive capabilities recently. Tesla rolled out a fully electric semi truck with autopilot drive capabilities. The semi can apparently go 500 miles between charges while hauling 80,000 pounds. It’s equipped with automated braking, lane keeping, and lane departure warnings. General Motors also just unveiled its new driverless cars. It seems like a race to see which automakers can bring driverless vehicles to the market first. In addition to automakers, Google, Apple and Uber are testing driverless technology as well.

Google’s driverless vehicle safety report

Google recently submitted the first-ever safety report to regulators regarding Waymo, its self-driving car company. The company has done extensive research and testing and hopes to better educate the public regarding driverless vehicle technology. Statistics quoted to support the introduction of this technology, include: 94% of crashes in the U.S. involve human error and $594 billion in harm from loss of life and injury each year. Waymo’s self-driving system is designed to operate without any human driver. When the hardware and software is implemented, it will perform all driving function.

The report includes an overview of the pre-built maps, sensors and software that surround this technology. The safety process began with identifying potential hazardous scenarios and what could be done to reduce risk.

Google addressed five areas of safety for driverless vehicles:

  1. Behavior Safety – how are driving decision made.
  2. Functional Safety – vehicles must operate safely at all times, even if there is a system fault or failure.
  3. Crash Safety – vehicles must protect the passengers inside in the event of a car crash. These vehicles must meet safety standards.
  4. Operational Safety – consumers must have a safe experience inside a driverless vehicle.
  5. Non-Collision Safety – Physical safety for the range of people who may interact with the vehicle.

Are driverless vehicles safe?

While Google’s report was an overview of everything they are doing to ensure safety, the question remains, are these autonomous vehicles safe? AAA released a study on public perception of driverless vehicles earlier this year. AAA found that although majority of U.S. drivers seek autonomous technology in their next vehicle, they continue to fear the fully self-driving car. Most noteworthy, three quarters of U.S. drivers reported feeling afraid to drive in a self driving car and only 10 percent said they’d feel safer sharing the road with driverless cars. This public feeling about driverless vehicle technology and safety will be a major hurdle to overcome in the widespread introduction of these cars and trucks.

Personal injury safety concerns of driverless vehicles

  • First of all, an education of the driver would be required. Although the vehicle is driving itself once the computer takes over, a driver must still be educated in safe operation.
  • Because driverless vehicles would be coming from many different companies, they must somehow be connected to work together and share the road together for optimum safety. This will not be an easy task.
  • A self-driving vehicle does not guarantee safety. In the event of a car accident, who would be liable? This needs to be addressed.
  • How will self driving cars and trucks operate in various weather conditions? Would snow and rain affect the sensors and impact vehicle safety.
  • Furthermore, how will road hazards impact driving? If a roadblock or construction zone goes up suddenly. If dangers exist on a road such as potholes, debris or other dangers.
  • The danger of other outside influences. What happens if there is a power outage and a stop light is not working properly?
  • The threat of the vehicle computer being hacked. This can pose a real danger to those inside the vehicle and also around it.

Autonomous vehicles are on the way to a road near you and the car accident lawyers at Distasio, Kowalski & Yelen hope that safety is a top priority as these vehicles are introduced. In conclusion, public safety must be a primary focus of federal legislators as they introduce laws regarding driverless cars and driverless trucks.

Starting this week, Pennsylvania motorists must be aware of a new PA child safety seat law. Drivers must be sure that rear facing car seats are used for all children under the age of two. The measure officially becomes a new PA law on Friday, August 12. Parents are cautioned to follow the manufacturers height and weight requirements on their seats. Sometimes children will still be within the ranges, even if they are 2 or older.

Rear facing seats are said to lower the risk of death or serious injury in the event of a crash. According to the National Highway Transportation Safety Administration (NHTSA), child safety seats reduce the risk of fatal injury by 71% in infants and by 54% for toddlers. On average, three children were killed and 470 children injured every day in traffic crashes in 2013.

Pennsylvania is the fourth state to enact a rear-facing child safety seat law for young children. Similar laws have been passed in New Jersey, California and Oklahoma. Under the existing law, all children under 4 years of age must be restrained in an approved child passenger restraint system, and children between 4 and 8 years of age must be restrained in a booster seat. The new law requires children under age 2 to ride rear facing. The new regulations are based on 2011 recommendation by the American Academy of Pediatrics.

Using an approved child safety seat correctly and according to the law is the best protection you can give your child. Be sure to use the correct type of car seat for your child’s age, height and weight. Child safety seats do save lives.

At Distasio & Kowalski, safety is our top concern.

Please take note of this new PA child safety seat law. If you or your child have been seriously injured in a car or truck accident, contact the injury lawyers at Distasio & Kowalski in Wilkes-Barre today at 570-970-5400 for a free consultation.