What to Do If You’re Hit by an Uninsured Driver in Erie, PA
An uninsured driver accident in Erie PA can cause serious financial and physical hardships. When the at-fault driver lacks insurance, you face extra challenges getting medical bills paid and vehicle repairs covered. Even though Pennsylvania law requires all drivers to carry auto insurance, many uninsured motorists still share the road. If you’ve been involved in a car crash with an uninsured driver in Erie, it’s crucial to act quickly and understand your legal options. This guide explains the important steps to take after an uninsured driver accident and how an experienced Erie car accident lawyer can help you seek full compensation.
Call 911 and Get Medical Help After an Uninsured Driver Accident in Erie PA
After an uninsured driver accident in Erie PA, your health should be your first priority. Call 911 immediately to report the crash and request emergency medical help. The police report from this call serves as important evidence if you file an Uninsured Motorist (UM) Claim or pursue legal action. Even if you feel okay, seeing a doctor quickly is important — injuries like whiplash or internal damage can appear hours or days after the accident.
Gather Critical Evidence at the Scene of an Erie Car Accident with an Uninsured Motorist
Collecting strong evidence after an Erie car accident with an uninsured motorist increases your chances of a successful claim. If you can safely do so, take photos of all vehicle damage, license plates, and the overall scene. Get contact information and insurance details from the other driver, and ask whether they carry insurance—make a note if they admit they do not. Also, gather names and phone numbers of any witnesses who saw the crash. This documentation will support your uninsured motorist claim or any legal case you pursue.
Notify Your Erie Car Insurance Company After a Crash Involving an Uninsured Driver
After a collision with an uninsured driver in Erie, notify your insurance company as soon as possible. Pennsylvania is a no-fault state for minor injuries, so your Personal Injury Protection (PIP) coverage may pay for some medical expenses regardless of fault. However, if the at-fault driver lacks insurance, your Uninsured Motorist (UM) coverage can cover additional damages such as medical bills, lost wages, pain and suffering, and vehicle repairs if you have collision coverage. Remember, UM coverage is optional in Pennsylvania but highly recommended for protection in these situations.
Learn more from the Pennsylvania Insurance Department
Review Your Erie Auto Insurance Policy for Uninsured and Underinsured Motorist Coverage
Check your policy carefully to see if you have:
- Uninsured Motorist (UM) coverage, which helps when the at-fault driver has no insurance
- Underinsured Motorist (UIM) coverage, which helps if the driver’s insurance isn’t enough
- Collision coverage, which pays for your vehicle repairs regardless of fault
An attorney can help you understand your policy and fight for a fair settlement.
Explore Legal Options After an Uninsured Motorist Accident in Erie PA
If your damages go beyond your insurance limits, you might be able to sue the uninsured driver directly. Keep in mind, collecting damages from someone without assets can be difficult.
You can also:
- File a personal injury lawsuit
- Investigate if a third party (like an employer) shares liability
- Maximize your recovery through your own insurance policy
According to the Insurance Research Council, more than 12% of U.S. drivers are uninsured — and some parts of Pennsylvania have even higher rates.
Contact an Experienced Erie Car Accident Lawyer for Uninsured Motorist Claims
If you’re dealing with medical bills or confusion about your next steps, get legal help right away. At The Travis Law Firm, we help clients file uninsured motorist claims and secure the compensation they deserve—even when the at-fault driver can’t pay.
We’ll explain your rights, negotiate with insurance companies, and take legal action if necessary.
Talk to a Trusted Erie Car Accident Attorney at The Travis Law Firm
At The Travis Law Firm, we understand how overwhelming it can be to deal with the aftermath of an uninsured driver accident in Erie PA. Our team is committed to helping injured clients recover the full compensation they deserve — with compassion, experience, and results-driven advocacy.
If you or a loved one has been hurt in a car accident, don’t navigate the legal process alone. Call us at (814) 277-2222 for a free consultation, or reach out using our secure online contact form. We’re here to stand by your side and fight for the justice you’re owed.